Cash Rate Health Insurance for Counseling

Cash Rate Health Insurance

Good news! All of the therapists at Health for Life Counseling Grand Rapids and the Trauma-Informed Counseling Center of Grand Rapids can work with you on a cash rate for counseling. Paying a cash rate simply means that you are not utilizing your insurance provider (e.g. Aetna Health Insurance) or you are paying a cash rate so that you can submit to “Out of Network” reimbursement through your healthcare insurance, if your plan qualifies. Many people also utilize cash rates because they do not want their healthcare insurance company knowing all the details about their health and wellness. We understand and respect your right to privacy and follow the American Counseling Association’s ethics guide as well as State Guidelines to protect your private health information. 

In fact, deciding to pay a cash rate opens up various options for you. 

  • Your private health information will not be released to any health insurance company for any reasons.
  • Your private health information will not be subject to interception by a spouse or former spouse that may share your health insurance plan. (It is not legal for them to intercept this information, but due to online insurance plans and mail sent to residences–some people get nosy with documents). 
  • Your private health information will not be subject to interception by a parent or step–parent that may share your health insurance plan. (It is not legal for them to intercept if you are over the age of 18, but due to online insurance plans and mail sent to residences–some people get nosy with documents). 
  • Your private health information will not be released to any private or public entity without a legal battle. We will protect your personal information and private health information.***The only exception to this is if you are actively attempting to hurt yourself or another individual–or if you decide to release this information by signing an “authorization for a release of information.”
  • For instance, you may ask your therapist for a “reduced cash rate” for your therapy services since you are “out of network” and had originally desired to utilize your insurance.  Our counselors will make sure to accommodate your request. Please note, that some healthcare costs may be tax deductible (please contact a Certified Public Accountant for details). 
  • Your insurance may accept “out of network” submissions or a “Superbill” from your therapist and, in that case, you may receive an insurance reimbursement or credit toward your deductible. In this case you will also pay your therapist directly their normal contracted rate first. Then each month (or whatever the desired frequency) you will submit proof of payment and service (Superbill) to your insurance company and receive whatever benefits your insurance company provides.

Paying a Cash Rate with our Grand Rapids counselors is easy. Simply talk to your therapist about their standard cash rate. You may use your HSA card at this time if you have one. You may simply pay your therapist directly at the end of the session. We look forward to serving you by providing excellent therapy services at this time, while accommodating your personal preferences.

***Depending on your financial situation you may qualify for a reduced rate.

Counselors Who Accept Cash Rate

Katerina Guerrero

Empowering Your Journey: Culturally Inclusive, Integrative Therapy for Healing and Growth

Shanna Beebe

A non-judgemental space for deep healing from trauma, abuse, and relationship wounds.

Li0n0d0sey0 0Bea0ver

Trauma Informed Counseling & EMDR for Teens, Young Adults and Adults

Gabby Cook

Compassionate, Trauma-Informed Therapist for Adults on their Path of Self-Discovery and Growth

Megan Drizin

Telehealth Counseling for Women, Moms, and Couples

Stephen Lovell, Counseling Intern

Person-Centered Counseling for Children, Teens, and Adults

Ke0l0l0y B0e0nz0in

Therapy from an Intersectional Systems and Holistic Lens

Kay Foster

Emotion-focused, Inclusive Counseling and EMDR Therapy

Katy Sandison

Supportive Therapy for Anxiety, Deconstruction Issues, Life Transitions and More

Lauren Huisman-Woy

Serving Children, Teens, Families, and Adults with Compassionate Counseling including EMDR and TF-CBT

K’Quiana Griffin-Knowling

EMDR, Empowerment, and Healing for all

Alexa Bates

Serving Children, Families, Couples and Adults who are struggling to find a way through difficulties

Sarah Denick

Counseling & EMDR Therapy for Women

Taylor Mize

Empowering Survivors to Heal and Use Their Voice

Nick Kondyles

Person-Centered, Integrative Counseling for Children, Adolescents and Adults

Caitlin Quantock

Mindfulness-based Strategies and EMDR to Promote Healing and Growth

Ashley Dykstra

CBT & EMDR Therapy for Children, Teens, Adults, and Families

Jennifer McKinstry

Counseling and EMDR Therapy for Trauma, Depression, Anxiety, and Spiritual Issues

Dana Kennedy

Relational, trauma-informed, strengths-based therapy with a foundation of authenticity and hospitality to heal and grow

Ben Zimmerman

Non-judgmental Therapy Space Focused on Personal Development and Empowerment

Elif Piromari

Strengths-Based and Trauma-Informed Therapy for Young Adults and More

Anna Utter

EMDR, DBT Skills, and Trauma-Informed Therapy for Adults and Teens

Nicole Cass

Sex therapist using creative Solutions and Trauma-Informed Counseling for Couples, Adults, and Teens

Michael Egan

Counseling that Empowers and Strengthens You

Taylor Freund

Trauma Informed and Internal Family Systems informed Counseling for Adults

Kyle King

Inclusive, Non-Judgmental Therapy for Adults and Adolescents, Emphasizing Growth and Resilience

Kathryn Barcelona

Therapy for adults struggling with depression, anxiety, issues, substance use recovery, etc.

Amanda Miller

Guiding Teens and Adults to Recognize their Strengths; EMDR, DBT, and More

Melissa Wade

Strengths-Based, Solution Focused, and Resilience Therapies for Families, Children, Teens, and Individuals

Margie Muñoz

Trauma Informed Counseling, Mindfulness-Based, and EMDR Therapy for Teens, and Adults

Katy Jaramillo

Counseling and Art Therapy for Adults and Teens: Empowerment and Healing from Medical and Neurological Trauma + Existential Concerns

Kori Crask

Trauma-Informed Counseling and EMDR Therapy for long-term healing

James Love

Specializing in Adults, Men’s Issues, & Therapy with Children from a grounded, authentic, and non-judgemental perspective

Thomcy Thomas

Multicultural, Client-Centered Therapy with a Mindfulness Approach - Fostering Self-Awareness and Empowerment in Adults

Billie Walters

Intuitive Counseling, EMDR Therapy, and Reiki

Brittani Decess

Counseling through a trauma-informed, inclusive, and equitable lens for individuals, relationships, and families.

Brendan Cole

EMDR for Performance & Trauma Recovery, Couples Therapy, Premarital Counseling

Caley Weisgerber

Compassionate and Empowering Therapy for Deep Healing

Natalie Julien

Integrative, Intuitive, Mindfulness-Based,Trauma-Informed Therapy for Women, Parents, & Young Adults

Jonathan Swiftney

Culturally Sensitive & Holistic Counseling for Adults and Adolescents

Paul Krauss – Clinical Director

Counseling, EMDR Therapy, & Solutions

Josh Zheng

Holistic psychotherapy utilizing an integrated approach of somatic, emotion- focused and cognitive-behavioral traditions.

Lucas Perkins, Counseling Intern

Culturally Sensitive & Holistic Counseling for Adults and Older Teens


Learn more about the No Surprises Act here.