Financial
Self-Pay Fees:
Individual Sessions Couple Sessions
$125 per 45-50minute Individual Session $150 per 45 minute Couple/Family Session
$140 per 53-60-minute Individual Session $225 per 90 minute Couple/Family Session
Intensives/Extended Counseling Sessions are also available please contact Kimberly via email kimberly@sugartreecounseling.com for more information on this service.
PAYING WITH INSURANCE
Insurance: Currently accepting new clients with the following insurance, Please note not all of the counselors take these Insurance companies.
United Healthcare. Humana
Anthem Blue Cross, Blue Shield Cigna
Cox Health Ambetter
Home State Health Tricare
Aetna UMR
Insurance Services may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by asking the following questions:
Do I have mental health insurance benefits?
What is my deductible and has it been met?
How many sessions per year does my health insurance cover?
What is the coverage amount per therapy session?
Is approval required from my primary care physician?
Is Couples/Marital Counseling covered?
Note many insurance policies do not cover Couple/Marriage Counseling. Please feel free to contact your provider regarding questions about this.
Contact Questions? Please call 417-402-5000 or email kimberly@sugartreecounseling.com for further information
Self-pay and Co-pay/deductible Payments will be charged at the time of service. Please Note some insurance is billed through Headway or Alma, those who are will be charged the fees through either Alma or Headway as automatic payment.
Cancellation Policy Please give at least 24 hours advance notice if you cannot make your scheduled appointment to avoid additional fees.
Depending on your benefit coverage, you will most likely only be responsible for a percentage of the session cost after you meet your deductible. If your insurance does not cover the full cost of the contracted rate you will be responsible for the remaining amount. We will verify your insurance benefits and let you know what your copay, co-insurance, and unmet deductible are before your first appointment. If your insurance changes please let our team know so that you are not charged incorrectly. You may make changes through the client portal or contact Kimberly Dolan at kimberly@sugartreecounseling.com 417-402-5000
OUT OF NETWORK
If we are Out Of Network with your insurance provider, you will be responsible for paying the self pay rates listed below at the time of your appointment. We will gladly provider you with a “superbill” so that you can seek reimbursement from your insurance provider. Your insurance company may or may not reimburse for the cost of your session. Please call the member services number on the back of your insurance card to inquire about out of network coverage for outpatient mental health services.
METHODS OF PAYMENT ACCEPTED
We can accept payments via Visa, MasterCard, American Express, Discover, FSA, HSA, checks and cash.
We do require a credit card on file before your first appointment. This card will be used to charge copays, coinsurance, self pay charges, no show and late cancellation fees, documentation charges, court fees, outstanding balances and any other charge determined to be patient responsibility. Your card on file will be charged within 1 day of your appointment. If you need to change your preferred method of payment you may do so through the client portal or by contacting Kimberly 417-402-5000 email kimberly@sugartreecounseling.com
OUTSTANDING BALANCES
All outstanding balances will need to be paid in full in order to continue scheduling appointments. We hope this will eliminate larger bills that come as a surprise and are then difficult to pay. In some cases, payment arrangements may be made.
OTHER FEES
Simple letter or disability form $20
Moderately complex letter or disability form $40
High complexity letter or disability form $60
Client requested communication with individuals not directly involved in the client’s treatment. These fees are usually not reimbursable by your insurance and will not be submitted for payment. Self pay required. $30 per 15 minutes
Court related costs: Our providers DO NOT testify in court. If your provider is subpoenaed to testify in court, a fee of $250 per hour, including preparation time and travel time, will be charged to patient.
Returned check fee $75
NO-SHOW & CANCELLATION POLICY
All no-shows and cancellations without a 24 hour notice for therapy will be billed at $50 on first occurance and full session fee thereafter.
All no shows and cancellations without a 24 hour notice for medication management will be billed at $100 on first occurance and full session fee thereafter. Please note, providers will not be able to waive fees. These fees will need to be collected before the next appointment. Any questions contact the Clinical Director Kimberly Dolan 417-402-5000
How Insurance Works for Couples & Sex Therapy
Understanding Your Coverage Before You Begin
At Sugar Tree Counseling, we know that starting couples or sex therapy is a big step—and understanding your insurance benefits shouldn’t add extra stress. Here's what you need to know:
Most Insurance Plans Cover Mental Health—But Not Always Couples Therapy
Insurance usually covers therapy when there is a diagnosable mental health condition (like anxiety or depression) being treated. If one partner in the couple has a diagnosis and the therapy is focused on treating that condition, it may be billed under their insurance. This is often called "conjoint therapy with the identified patient present."
Important Note: Insurance companies typically do not cover therapy that is solely focused on relationship issues, communication skills, or sexual concerns—even though those things matter deeply and impact well-being. These sessions are considered “relationship counseling” or “sex therapy” and are often not reimbursable.
What If We Want Couples or Sex Therapy Without a Mental Health Diagnosis?
In that case, we’ll discuss private pay options with you. Many of our clients choose to invest in couples or sex therapy outside of insurance to avoid diagnostic labels and have more flexibility and privacy in their care.
Using HSA/FSA Accounts
Even if insurance doesn’t reimburse for couples or sex therapy, most clients can use Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) to pay for sessions. We can provide the needed documentation upon request.
Transparency Matters
Before starting, we’ll review your needs and discuss whether therapy may be eligible for insurance reimbursement—or if private pay is the best route. Our goal is to help you feel informed, empowered, and supported in making the right choice for your relationship.
GOOD FAITH ESTIMATE Information:
Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises