Insurance

When using insurance, each insurance policy determines the out-of-pocket expense.

Mental Health benefits often differ from services offered by medical doctors. 

Some insurance policies allow Reef Wellness to accept a co-payment for mental health services. Other policies are written for mental health services to apply to an individual and/or family deductible first. This means Reef Wellness is to accept a higher contractual amount from our clients, an amount set by the insurance providers. It is important to note that this quote is likely to apply to additional counselors in our area since out-of-pocket fees are set by insurance companies, not the counselors or agencies themselves.

It is important to know your mental health benefits within your insurance policy. 

It is also important to know you have the right to see a counselor who is not contracted by your insurance provider. You have options regarding your mental health. Reef Wellness can offer clients a Superbill upon their request if they choose to see a counselor outside of their insurance network. This Superbill is similar to a receipt that some insurance companies accept for possible reimbursement back to clients directly.

Reef Wellness understands mental health and financial constraints often go hand-in-hand.
Therefore, sessions can be scheduled around your financial budget.

Recognizing the significance to utilize insurance benefits, we've compiled a quick list outlining the prevalent contracts the counselors at Reef Wellness hold with insurance providers:

Blue Cross Blue Shield

Victoria Porter, LPC
Faith Shipley, LPC
Elizabeth Westley, LPC
Trena Edwards, LPC-S

Blue Connect* HMO

Tier Two: deductible plan *

Victoria Porter, LPC
Faith Shipley, LPC
Elizabeth Westley, LPC
Trena Edwards, LPC-S

BCBS Anthem

Tier Two: deductible plan

Victoria Porter, LPC
Faith Shipley, LPC
Elizabeth Westley, LPC
Trena Edwards, LPC-S

United Healthcare

Victoria Porter, LPC
Faith Shipley, LPC
Elizabeth Westley, LPC
Trena Edwards, LPC-S

UMR

Victoria Porter, LPC
Faith Shipley, LPC
Elizabeth Westley, LPC
Trena Edwards, LPC-S

Cigna / Evernorth

Victoria Porter, LPC
Faith Shipley, LPC
Elizabeth Westley, LPC
Trena Edwards, LPC-S

Willis-Knighton
Health Plus - Meritain

Victoria Porter, LPC
Faith Shipley, LPC
Elizabeth Westley, LPC
Trena Edwards, LPC-S

Aetna

Victoria Porter, LPC
Faith Shipley, LPC
Elizabeth Westley, LPC
Trena Edwards, LPC-S

Humana

Victoria Porter, LPC
Faith Shipley, LPC
Elizabeth Westley, LPC
Trena Edwards, LPC-S

Consider services from a Provisional Licensed Professional Counselor (P-LPC) and/or Graduate Student Intern outside of the insurance network of benefits when/if there is a high-deductible insurance plan. 

Often, these individuals offer services at lower more affordable rates.