Debra Sime Kilgariff
Counseling is an investment in yourself and in your future. It requires a commitment of time, energy, and work to achieve the goals you wish to accomplish. It also involves a financial investment.
Insurance
Please note that services may be covered in full or in part by your health insurance or employee benefit plan. I am not a participating provider with any insurance networks but would be happy to provide you with a detailed receipt that you may submit to your insurance carrier and/or health savings plan for reimbursement.
​
Please contact your insurer and check your coverage carefully by asking the following questions:
​
-
Do I have mental health/behavioral health benefits?
-
What types of services are covered? (For example, are individual, family, and/or couples visits eligible for reimbursement?)
-
Do I have a deductible and has it been met?
-
What is the coverage amount per therapy session?
-
How many sessions per calendar year does my plan cover?
-
How much does my plan cover for an out-of-network provider?
-
Is approval required from my primary care physician?
Payments
Payments are due at the time of service. Cash or checks are accepted. A good faith estimate of fees will be provided prior to your first appointment or upon request at any time.