Kevin Stevenson, LMHC, MCAP

Fees & Insurance

I am considered an out-of-network provider for all insurance panels. Payment is due in full at the time of service. Acceptable forms of payment are: cash, check, credit or debit cards.
A claim form/receipt may be provided to you, upon request, which you may submit to your insurance company for possible out of network reimbursement. We offer a sliding-fee scale (see below) and will make every effort to make your counseling affordable as well as productive in achieving your goals.
Additionally, psychotherapy is a qualified expense if you have a Health Savings Account (HSA) or Flexible Spending Account (FSA).

Sliding Scale Fee Per Session

$00,000 – $24,000 = $50.00
$25,000 – $29,000 = $60.00
$30,000 – $34,000 = $70.00
$35,000 – $39,000 = $80.00
$40,000 – or more = $90.00

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?
There is a debate in the professional community about whether or not it is wise to use your health insurance to help cover counseling costs. Two major concerns exist:
Privacy: Insurance companies require a diagnosis be given at the time of service in order to validate that your counseling is necessary which is then stored in your permanent lifetime medical record. When applying for new insurance you may be required to sign a release so the new insurer can check your past medical history. Some argue that in such cases you may be disqualified with the new insurer for life, health and other types of insurance or perhaps have rates increased because you at one time had a diagnosis. Regardless of HIPAA privacy protection laws, when you use insurance, your personal, private, and confidential mental health information along with your social security number, address, and phone number are subjected to multiple care managers, case managers, billing, screening, and filing personal which clearly compromises and limits your privacy. In addition, your personal, private, and confidential mental health information is being stored in a database by your insurance company along with being added to your permanent medical record.
Quality of care received: Most insurance companies monitor and limit counseling services (along with medical, dental etc.) in order to keep their costs as low as possible and make the most money they can for their share holders. After all they are for profit businesses. However, the problem with this is that it means your insurance company is making decisions about the type and/or amount of counseling you can receive under their coverage which can clearly and ultimately have a negative affect on the quality of care you receive.
Critics of managed care insurance companies contend that you are far better served in the long run by paying for your services directly and leaving insurance companies out of the important decision making process regarding your mental health care.
The piece of mind one receives knowing their privacy is 100% entrusted and protected and not subjected to the eyes, hands, and ears of multiple care managers, case managers, billing, screening, and filing personal more than makes up for the nominal monetary fee of paying directly for your care.

                             Office Hours

                            By Appointment 
                       Monday    8:00 AM – 9:00 PM
                       Tuesday    8:00 AM – 9:00 PM
                       Wednesday    8:00 AM – 9:00 PM
                       Thursday    8:00 AM – 9:00 PM
                       Friday    8:00 AM – 9:00 PM
                       Saturday    8:00 AM – 4:00 PM
                        Phone: 727-741-0704

                  Click to Schedule an Appointment:

                               

                   Professional Member: American Counseling Association

                  verified by Psychology Today

                     
                    Kevin Stevenson, LMHC,CAP