Michelle Aycock, M.ED., CPC, LPC
                 Licensed Psychotherapist
      Specializing in Couples & Individual Therapy 
                   Call 912-233-4294
Insurance Information

*If you use your insurance to pay for counseling services you have to be given a mental health diagnosis which becomes a part of your permanent insurance record.

My office does not accept, nor bill insurance as payment for counseling/therapy sessions.  Payment is due in full, at the time of your scheduled appointment.  The cost of your counseling services should be eligible for reimbursement or paid through your "Health Spending Account, Flexible Spending Account or Out-of-Network Benefits.  If you have a Health Spending Account or a Flexible Spending Account that can be accessed with debit card (usually Visa or Mastercard) I can accept that to pay for your therapy sessions.   However, please check with your Spending Account to see what is covered. 
 
My office can provide you with the forms needed (an insurance superbill) to submit to your insurance company for possible reimbursement.  I cannot guarantee reimbursement by your insurance company for my services provided.  Reimbursement is between you and your insurance company.  If you want an insurance superbill, please keep in mind that your insurance company will require me to give you a "mental health/psychiatric" diagnosis which becomes a permanent part of your insurance and medical records.  Please inform my office manager if you need an insurance superbill, as it will take 7-10 days to create one for you. 

If you choose to use your insurance, I recommend that you call your insurance company to get a list of their providers.  You will also need to ask them a few important questions: 

1.  Is mental health/counseling covered?

2.  If so, what is my deductible?  (there is usually a $500-$1,500.00 deductible that you must pay to the provider before they will pay for any counseling services)

3.  Marriage counseling, Couples counseling or Relationship counseling is NOT covered by any insurance company.  A relationship or marital problem/conflict is not considered a problem that is "medically necessary" to treat through counseling. 
 

**Due to new federal laws - Please read below for the dangers of using your insurance to pay for your counseling sessions. 
        
Risks of Using Your Insurance

If you should choose to use your insurance company to pay for counseling services or for reimbursement of counseling services, you will have to be given a "mental health/psychiatric" diagnosis.  Your mental health diagnosis becomes a permanent part of your medical record with your insurance company.  Your insurance can request from me a copy of your patient records for others to view such as future employers, the federal government, the state government, military officials and law enforcement.  These entities will have access to your mental health records through your insurance company.   With the recent laws that have been passed due to gun control issues, having a permanent mental health diagnosis may prevent you from purchasing a firearm, and may restrict you from being able to work for certain federal, state or law enforcement agencies.