Fees & Insurance

Fee Schedule

Clinical staff bill according to their credentials and experience using a tier system. Please review the Fee Schedule below and/or Staff pages for more information. Some counselors’ services may be eligible for insurance reimbursement, while others’ services are not reimbursable. This information is also posted in the Full Life lobby.

Individual/Couples/Family Sessions (fee schedule effective January 3, 2024)
INTAKES WITH LICENSED CLINICIANS ARE $175, and intakes with all other counselors is equal to the rate for an individual session.

 

* Tier 1: $90/session – Recovery Coaches and Student Counselors

** Tier 2: $140/session – Certified Alcohol and Drug Counselor (David Spillman)

*** Tier 3: $165/session – Masters-level, licensed clinicians Anna Fleig, Marlena Del Hierro, Cathey Floyd, Amanda Beck, Sara Bailey, JImmy Tunstall, Brittany Corcoran, and Angel Joel.

**** Tier 4: $180/session – Senior-level licensed clinicians w/ extensive specialized skills: Britta Starke

***** Tier 5: $190/session – Clinical Director & Founder (Leigh Zick Dongre, Ginny Mills)

Care Coordination Services (as recommended): $36/hr (Cristina Mounts)

Equine-Assisted Psychotherapy:  Britta Starke, LCSW, LCAS and Full Life partner with area equine facilities (such as Southern Cs Farm in Summerfield) for equine-assisted psychotherapy for individuals, families and corporate teams. Full Life bills clients for Britta’s Tier 4 professional time (which may be covered by insurance), and the equine facility charges an additional per-session, program fee. Please consult with the equine facility owner for more information about program fees.

Insurance coverage by any policy is unknown. Superbills, claims assistance and advocacy for coverage of equine-assisted psychotherapy will be provided.

*, ** – not eligible for insurance reimbursement by any policy

***, **** and ***** – eligible for CBHA/Medcost in-network status and out-of-network insurance reimbursement from most companies.
Group Sessions

Professionals Relapse Prevention Group – $75/session. Note that this group requires a commitment for participation for a minimum of one year. Required to participate in individual counseling, with individual session fees charged at the rate of the individual therapist. Individual therapist of record can be a Full Life clinician or a clinician with whom the client has an established therapeutic relationship. 

Substance Use Assessments

Safe Use Check-Ups & Special Request Assessments

Safe Use Check-Ups are typically billed to include fees for 3 session hours (2 face-to-face sessions and 1 for the time spent analyzing findings outside of session) plus any testing and lab expenses. Typically the clinician will order SASSI and SOCRATES testing, as well as labs based on the information reported by the client. Some lab tests are more expensive than others, but the clinician will communicate to you the cost of recommended tests and the rationale for selecting that/those labs. Results are communicated verbally, but a written summary of conclusions is available for an additional fee.  A typical final cost for a Tier 3 clinician to complete a Safe Use Assessment with SASSI/SOCRATES, routine labs and the provision of a verbal summary of conclusions and recommendations would be as follows: $405 + $50 + $20 = $475. If more expensive labs are recommended, lab test fees could range from $100-$275 in additional fees.

 

Special Request Assessments from employers, attorneys or academic institutions are typically billed the same as Safe Use Check-Ups, with the additional expense of the Care Coordinator’s time to collect information from collateral contacts and the clinician’s time to prepare a written report. Care Coordinator’s time is billed in 15-minute increments at $36/hour. Written reports are billed at $50/printed page. A typical final cost for a Tier 3 clinician to complete a Special Request Assessment with SASSI/SOCRATES, routine labs and the provision of a written summary of conclusions and recommendations would be as follows: $405 + $50 + $20 + $150 = $625. If more expensive labs are recommended, lab test fees could range from $100-$275 in additional fees.

 

Comprehensive Assessments

$1500 retainer to cover the costs of all interviews, standardized testing, lab tests, records review and comprehensive report.

Each assessment includes face-to-face interviews, collateral interviews, SASSI and SOCRATES standardized screening, biometric testing that is most consistent with the presenting substance use issues, records reviews, case conceptualization, and an extensive report to the referring organization. Each assessment concludes with an actual accounting of the professional time and expenses. The actual accounting could lead to an invoice for an additional payment or could lead to a refund for unused funds. If there is a balance due, the final report will be held until the balance is paid in full. Similarly, any refund due will be paid in full to the client at the time the report is released

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Those referred by professional monitoring organizations for whom fees would create a financial hardship may be eligible for scholarship funds available through that organization. If scholarship funds are unavailable, our office can provide information about mLend Financial, a private healthcare lending company that offers healthcare loans for 0% interest, 12-month financing for qualified applicants.

Sober Transport & Sober Companion Services

Sober Transport for Court Appearance, Treatment Admission, etc.

$1200/day for 10 hours or more and $600/day for 6 hours or less. Once transport has been completed, If overnight stay is required, return travel will billed at $75/hour. All travel expenses (i.e. mileage, airfare, meals, accommodations) are billed separately.  

Same gender-transport can be arranged with private contractors that have been vetted and endorsed by Full Life. Additional fees may apply. 

Sober Companion Services

Sober companion services are typically billed by the day, although the first and/or last day may be billed as a partial day depending upon the itinerary. 

$1000/day plus travel expenses (i.e. mileage, airfare, meals, accommodations). Our Sobriety Support Specialist is Charlie Lawson. Charlie has worked in the recovery field since 2016 and brings his experience, strength and hope to share on the journey with those needing support services for sobriety. Charlie also works as a Recovery Coach and the Client Services Representative for Full Life Counseling & Recovery. 

 

Fees for Love First-model supports are available on request.

Insurance

Traditional CBHA Health Plans: Full Life is in-network for services with licensed clinicians and all groups. Full Life files claims on behalf of those insured by CBHA/Medcost and CBHA/Aetna and will collect any required copay for services. Co-pays for services are defined by the company, not by Full Life. CBHA does not cover the cost of no-show or late cancellation fees, so CBHA clients need to be careful to know and understand our policy for charging NS/LC fees.

CBHA covers Leigh Zick Dongre, Jimmy Tunstall, Britta Starke, Cathey Floyd, Amanda Beck, Anna Fleig, Marlena Del Hierro, Sara Bailey, Angel Joel, Brittany Corcoran, Ginny Mills, Siedah Miller, Rebecca Rankin, Angel Joel, Brittany Corcoran, Rebecca Rankin, Siedah Miller, Sarah Marsh, Katie Nail, and Lauren Byrd.

 

Do you have a Medcost-CBHA-HSA High-Deductible Health Plan?

Check your current Medcost card for the type of plan that you signed up for this year. Look for your “Plan at a Glance” tab if you aren’t sure. If your card says “Wake Health Savings Plan,” then you have a high-deductible policy. With that kind of plan, you should have also been given an HSA benefits debit card with funds given to you by your employer. You may also be eligible to contribute to the healthcare saving account by having pre-tax deductions from your paycheck.

Full Life falls into the category of “WFBH Provider” and the deductible amount for that. This means that you are required to pay Full Life the CBHA negotiated rate for all office visits until you have met your deductible. After that, you will be required to pay the co-insurance percentage of the CBHA negotiated rate.

If you want to know what will be owed to Full Life Counseling, you can check your coverage on the Medcost website. Look to see how much of your deductible has been met and what your co-insurance percentage will be after the deductible has been met. 

The HSA card allows you to have pre-tax dollars to use for office visit fees, prescriptions, and even some over-the-counter medications. This can allow you to receive services without having to private pay until you’ve met your deductible. But we need to have that HSA card on file in order for us to charge it for your fees. 

You can add that card (along with your regular insurance card) into your Full Life client portal like this: 

  1. Go to https://full-life.clientsecure.me/
  2. Select that you are an established client
  3. Go to Billing & Payments
  4. Go to Payment Methods
  5. Add a new card

If you do not have the physical HSA card or don’t think you ever received one, contact your HR representative to convey your need for a card. It is part of the benefit associated with the CBHA/HSA High-Deductible Health Plan, but it is not associated with Medcost or CBHA. It is an employee benefit, so call HR. 

If you still have questions, please call Beth McCrosky in our office at 336-923-7426, ext. 717 for more information. 

 

Out-of-Network?

Full Life is recognized as an “out of network provider” for other insurance companies. Full Life provides instructions for how to verify your benefits and how to know what to expect for reimbursement. We’ll also provide you with “superbills” from each session to assist you in filing your own claim. Those with out-of-network insurance and no insurance are required to pay in full at the time of service. While Full Life has no direct relationship, you may want to explore resources such as The Superbill or Reimbursify for help filing out-of-network claims. 

Step-by-Step Instructions
Dealing with insurance companies is pretty challenging for everyone! It starts with finding out about your benefits, so we’ve spelled out all the questions to ask and all the “key words” to use. Once you know what to expect, you’ll know more about the value of filing superbills. THEN, the next steps are to pair your superbills with self-claim forms to file for out-of-network reimbursement. Use this step-by-step guide and let us know if you have additional questions.

****Instructions for Insurance Inquiry & Superbill Filing*****

 

Blue Cross Blue Shield of NC Member Claim Form
Cigna Behavioral Health Member Claim Form
United Healthcare Instructions & Claim Form
Charges for No Shows, Late Cancellations, Short Sessions & Attendance

ADVANCE NOTICE CANCELLATION:  There is no charge for cancellations communicated at least 24 hours in advance.

LATE CANCELLATION & NO SHOW FEES:  For all clients, including those who are in-network with insurance and typically pay a copay for services, the full fee for the scheduled service minus $1 will be charged for no-shows and cancellations with less than 24-hour notice from the time of the scheduled appointment. CBHA clients should note that the no-show/late cancellation rate is $1 less than the FULL rate, not $1 less than the CBHA negotiated rate. This fee can be completely avoided by participating in all sessions or calling to cancel 24+ hours before your appointment.

SHORT-SESSION FEES:  Our clinicians reserve a full 55 minutes for your time together, so if you start late or leave early by more than 7 minutes, short-session fees apply. That doesn’t mean we don’t want you to come to the session if you are running behind or need to leave early though! It just means there will be a second charge for the difference between the corrected session rate and the original session rate. That’s still MUCH better than paying a late cancellation or no-show fee! This fee can be completely avoided by participating in the full 53-58 minute session.

 

Methods of Payment

Full Life accepts payment by cash, personal check or credit/debit/flexible spending cards. Those who pay by credit/debit/flex cards for amounts that are over $500 are asked to pay a 2.75% surcharge for using a Visa, Mastercard or Discover card or a 3.5% surcharge for using an American Express card effective December 1, 2014.

Full Life partners with mLend Finance to assist those who need to arrange for 0% payment plans to help cover a back balance for our services or for those who need to arrange for a 0% healthcare loan to cover their anticipated counseling expenses over an extended period. mLend Finance is a highly respected healthcare resource partner who collaborates with the country’s best treatment programs, despite their low-tech website and application process. Beth McCrosky, Charlie Lawson, and Cristina Mounts all have details for how to apply. 

 

Financial Assistance

Clients enrolled in monitoring with the NCPHP

NCPHP clients may be eligible for up to $2000 in scholarship funds each calendar year. Those monitored by NC LAP may also be eligible for scholarship funds. NCPHP-monitored and NC LAP-monitored clients should contact your field monitor to find out how to apply.

Financial Assistance with mLend or PROSPER

Individuals and families seeking admission to Full Life’s year-long relapse prevention program or interventions may be eligible for healthcare loans through mLend or PROSPER. mLend provides 12-month interest-free healthcare loans, while PROSPER’s healthcare loans are interest-bearing.

OPEN PATH COLLECTIVE is the pathway to being considered for reduced fee counseling by masters-level clinicians at Full Life.

OPEN PATH COLLECTIVE is a web-based membership platform that helps connect those who need reduced rate counseling services with counselors willing to provide the same quality care for a lower rate. Some Full Life therapists are participating in the Open Path Collective. We encourage those who need reduced fee services to join Open Path and provide Charlie, Cristina or Beth with your Open Path Member ID#. This is the best way to apply for reduced fee services with Full Life! We have our own process for confirming reduced fees for Open Path members. To get started, go to OpenPathCollective.org. 

Sponsoring organizations
Full Life partners with the Forsyth Jail & Prison Ministry, Phoenix Rising, and the Forsyth County Drug Court to assist individuals whose addiction led to criminal behavior that resulted in incarceration. For more information about participating in any of those organizations, please contact them directly. Full Life cannot provide services without a direct referral from the prison ministry’s Transition to Work Program or from the Forsyth County Drug Court.

 

Occasionally local churches, schools, businesses or non-profit organizations agree to provide scholarships to cover the costs of care at Full Life. In such cases, all transactions occur directly between Full Life and the sponsoring organization. Although a release of information is required to provide the sponsoring organization information about attendance, general progress, and billing, no additional confidential information is ever released.

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