RATES & INS final
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Rates & Insurance

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Private Pay

Individual session - $150

Family counseling session - $165

Psychological testing - An individualized estimate will be provided

A sliding scale is available on a limited basis and is based on household income.

Insurance rates vary per policy.  It's possible that your health insurance may cover payment for services in full or in part.  At Still Waters, we are happy to check your insurance benefits for you.   We understand how frustrating insurance matters can be and we are here to help.  Just reach out to us and we will take it from there.


We are in-network providers with the following insurance companies (meaning we take payment for your services directly from them):

Blue Cross and Blue Shield of Alabama

New Directions 

Blue Choice


We are out-of-network providers with insurance companies other than those listed above.  (Meaning there is a possibility that they may reimburse you in full or in part for the cost of your services).


Whether we are in-network or out-of-network with your insurance company, we are happy to check your benefits and to submit a bill to your insurance company for your services.  


If you would like to check your insurance benefits yourself, you can do so by calling your insurance company.  The phone number is typically found on the back of your insurance card. 

If you check your benefits yourself, we recommend asking your insurance company these questions to determine your policy's benefits for psychotherapy:

● Does my health insurance plan include behavioral health benefits? Does it include telehealth for psychotherapy?

● Is Beverly D. Ward, EdS, LPC (NPI number 1114687654) in network with you?  Whether yes or no, what does that mean

    and how does it affect my coverage?

● Do I have a co-payment for services, if so what is it?

● Does my plan limit my number of sessions. If so, is the limit per calendar year or per policy year, and what is the limit?

● Do I have a deductible that applies to psychotherapy services? If so, what is it and have I met it?

● Do I need written approval from my primary care physician in order for services to be covered?

● Do I need prior authorization from you (insurance company) in order for services to be covered?



We accept all major credit cards for payment, including HSA cards.

Any Other Questions

We are happy to answer any questions at all that you may have.  Contact us and we will  help,  We are here for you.