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Online Counseling Christian Counseling Alabama

Financial Information


At Still Waters, we work directly with insurance companies to help facilitate their covering the cost of your therapy where possible.  It's possible that your health insurance will cover payment for your services in full or in part.  Every policy is different, and we strongly recommend that you know what your insurance policy's benefits are.  We are happy to help you in checking your benefits if you would like.  
Insurance jargon can be confusing, so please don't hesitate to ask clarifying questions.  We are here to help! 
Most of our therapists are in-network providers with some of the insurance companies listed below. (Which allows us to bill them directly for your services.)  







In situations where your therapist is out-of-network with your insurance company, it is likely that you would be able to self-file.  This means that we can provide you with a form documenting your payment for services (called a superbill) that you can send to your insurance company.  There is a possibility that your insurance company may reimburse you in full or in part for the cost you have paid for therapy. 


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.  We recommend asking your insurance company these questions to determine your policy's benefits for psychotherapy: 

● Does my health insurance plan cover psychotherapy (procedure code 90837)? Is telehealth for psychotherapy covered?
● Is my therapist 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?
    If the limit is per policy year, when does my policy year begin and end?
● Do I have a deductible that applies to psychotherapy services? If so, what is it and have I met it?
● Do I need a written referral 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?











Private Pay Rates
Our private pay rate is determined by annual household income.  The sliding scale is below.


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

Cancelation Policy
Since the scheduling of an appointment involves the reservation of time set aside especially for you, a minimum of 24 hours notice is required for rescheduling or cancellation of an appointment.  If for any reason you reschedule or cancel an appointment with less than 24 hours notice, a $75 fee will be charged.  Please note that insurance does not cover payment for or reimburse for these fees.  

Any Other Questions
We are happy to answer any questions at all.  Contact us and we will  help.  We are here for you.

Blue Cross and Blue Shield of Alabama

Blue Cross and Blue Shield out of State

● Blue Choice Network

● All Kids

● Medicaid (children age 18 and under)


● Aetna

● Behavioral Health Systems

● Cigna

● Evernorth

● Optum


● United Health Care

● Uprise

● Viva

Annual Household Income          Rate per therapy session

$106,000 – above
$  86,000 - $105,000
$  66,000 - $  85,000
$            0 - $  65,000



"Do not conform to the pattern of this world, but be transformed by the renewing of your mind. Then you will be able to test and approve what God’s will is—His good, pleasing and perfect will." 

- Romans 12:2
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