THE CROSS COUNSELING

The Cross Counseling accepts all major credit and debit cards as well as HSA, and FSA forms of payment. Client payments are stored within your secured client portal and processed within 3-5 business days after each session. There is a 2.95% transaction fee on every credit card transaction. To avoid these transaction fees clients are encouraged to pay via cash or check.

Out-of-Network Insurance Reimbursement: For clients with other insurance providers, we offer out-of-network options, which may allow you to receive partial or full reimbursement for counseling sessions depending on your specific plan. How it works:Payment: You pay the full session fee at the time of your appointment.Claim Submission: I will provide you with a detailed invoice (superbill) which you can submit to your insurance company.Reimbursement: Your insurance company will review the claim and reimburse you according to your policy’s out-of-network benefits.BCBS Reimbursement Form: https://www.bcbsm.com/amslibs/content/dam/public/consumer/forms-documents/bcbsm-member-reimbursement-form.pdf

Clients will need to contact their insurance provider to answer this question as each provider is different. We are happy to provide a monthly statement for you to pass along to your insurance provide for proof of services.

If your counseling sessions are currently being paid for by a church, employer, or another organization, you may have options to continue services once those benefits have been used.At The Cross Counseling, we understand the importance of continuity of care and want to make the transition as smooth as possible.Options for Continuing Counseling:Use Your Insurance: If we are in-network with your insurance provider, you may be able to transition to using your insurance benefits for future sessions.Private Pay: You can choose to continue counseling by paying for sessions directly.Out-of-Network Benefits: If we are not in-network with your insurance provider, you may be eligible for reimbursement through your plan's out-of-network benefits.Sliding-Scale Options: Depending on availability and individual circumstances, reduced session rates may be an option. Next Steps:As you approach the end of your covered sessions, please let us know so we can discuss your options and plan for a smooth transition without interrupting your care.Our goal is to make counseling accessible and help you find an option that works best for your needs.