Margaret Howard Blog
Rate is $120 per session. Payment is due at time of service.
You may pay by cash, check, or credit card. I can accept health savings account cards.
If you're paying out of pocket there may be a small discount available for buying a "package" of sessions, for instance 4 for a month of therapy. There are no refunds on unused sessions bought in packages. All sessions must be used within the time period agreed upon at purchase, and will not be carried forward. Packages are NOT available if you're using insurance.
Cancelling later than 24 hours before the appointment or not showing up for an appointment will result in full charge for that session. Insurance companies do not pay for missed sessions, only you are responsible for that payment.
A note about Sliding Scale: Slots below $90 an hour are only available to households with total income of $30,000 per year and under, including non-employment income, and require an application and submission of financial documentation, such as income tax returns.
If you are experiencing an emergency or mental health crisis please go to the nearest emergency room or call an ambulance at 911. If you are not in immediate danger but need support please call the BHR Crisis Line (24/7) at 314-469-6644, 800-811-4760, TTY: 314-469-3638, or the National Suicide Prevention Hotline (24/7) at 800-273-8255, or visit them at
http://www.suicidepreventionlifeline.org/ to initiate a chat.
Sliding Scale: I do offer a limited number of sliding scale, income-based rates for people in true financial hardship. However, there are no sliding scale slots available at this time.
I will you come over here edit this page to indicate when a sliding scale slot opens up. However, there is a long waiting list (probably years). If it ever happens that sliding scale slots open up and no one is on the waiting list I will not only change the indication here, I will post it on my social media pages.
I'm in-network with Anthem BCBS, with most plans. Just call the member or customer number on the back of your insurance card and bring the numbers (for copay and deductible) they give you to your first appointment. The rate for Anthem clients (which you'll pay as you pay down your deductible) is $90. That is the contracted rate. I have no choice in this. Sliding Scale slots are not available for persons insured with Anthem.
If you're using an insurance other than Anthem you will pay me my full rate at time of service ($120), then the insurance company will reimburse you at their percentage rate. You'll have to find out from them what that is. Click here for the questions to ask your insurance company about out-of-network billing. Sliding Scale slots are not available for people who want to be reimbursed by their insurance.