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Calm Sea

ALL THE ANSWERS YOU SEEK, IN ONE PLACE

FAQs

IN THE TIME OF COVID-19, ARE YOU STILL ACCEPTING CLIENTS? WHAT PRECAUTIONS ARE YOU TAKING?

Yes!  Prior to the COVID-19 pandemic and associated shutdown, Dr. King adopted a HIPPA compliant telehealth platform. This ensured that clients never experienced any disruptions in the availability of therapy at any point and time during the pandemic. Dr King continued serve current clients and accept new clients throughout. 

I am still accepting and seeing clients at this time. Both IN PERSON therapy and via audiovisual TELEHEALTH THERAPY over a HIPPA compliant platform are being offered. Dr. King is vaccinated against COVID-19.   

HOW LONG DOES EACH THERAPY SESSION TAKE?

The first session, called an intake, is typically 1.5 hours. 

Therapy sessions are typically 45-50 minutes. However, they may be as short as 30 minutes or  as long as 90 minutes, depending on the purpose of the session, the client's needs, and the client's schedule.

DO YOU OFFER SLIDING SCALE RATES?

Yes. I also offer special rates for certain members of the community, including members of the armed forces, Veterans, and faculty/staff/students of USF and University of Tampa and other colleges/universities. Payment plans are also available. 

I strongly encourage all new and current clients who are experiencing financial hardship to discuss this with me so we can work together to develop a payment plan for therapy and/or adjust our sessions accordingly.

WHAT IS YOUR CURRENT FEE SCHEDULE?

Fees vary depending on:
1) The services provided
2) The length of the session and,
3) The client's status 


Please contact me directly to learn current rates. Prior to beginning therapy services you will be provided with the exact cost your therapy sessions.  Clients who are experiencing financial hardship are encouraged to discuss their circumstances directly with Dr. King. Therapy payment plans are available. 

DO YOU ACCEPT INSURANCE?

Although I do not accept insurance at this time, if you have a flex spending or health savings account that is linked to your insurance, you CAN to pay for therapy sessions using your FSA/HSA debit card

I HAVE INSURANCE BUT YOU DON'T TAKE INSURANCE. CAN I STILL BECOME A CLIENT?

Of course!
Many of my clients DO have insurance, I'm just not an in-network-provider. People pay in a variety of ways, including flex-spending accounts (FSA) and health-savings accounts (HSA); some people pay out of pocket (cash or credit/debit) then request an invoice, and submit the receipts to their insurance company for out-of-network reimbursement. 

Many clients pay via cash, check, money order, invoice/ACH bank transfer, and credit/debit and have no desire to submit anything (not even reimbursement) to their insurance company, but do write the expenses off on their taxes. 

Regardless, I work with all clients to make sure there is a balance between the how often they need to come to therapy, how long sessions are, and what they can reasonably afford. 

WHY DON'T YOU TAKE INSURANCE?

(Brace yourself.... Its's a long one)
The decision to not take insurance is based on professional and personal experience, preferences for my business practice, reimbursement requirements of insurance companies, as well as decisions about maintaining patient privacy and confidentiality. Some reasons I do not take insurance are outlined below: 

  • Diagnostic Concerns:

    • Not everyone who seeks treatment has a mental health condition, but insurance companies require psychologists to provide a diagnosis in order to provide payment on your behalf. I do not like the idea of unnecessarily diagnosing people with mental health condition(s) they do not have - not to mention that diagnosing someone with a condition that they don't have and submitting it to an insurance company for reimbursement for treating that diagnosis is insurance fraud.

  • Privacy, Confidentiality, Patient Autonomy:

    • Diagnoses submitted to insurance companies are maintained in the client's permanent medical record, which has the potential to negatively impact a person's future (e.g., background checks for employment).

    • When not using insurance, details of treatment remains confidential between yourself and your psychologist, unless you choose to release information to a specific party; and even then you have the have the autonomy to decide exactly what type of information you want (or don't want) to share, with who and for how long.

      • On the other hand, when using insurance, companies often regularly request details about what's going on in therapy and about the "progress" you are making in treatment. This information is provided to someone at the company (who may or may not have a good understanding of mental health), entered into the company database, and is eventually used by someone at the company to decide for you whether or not your treatment should continue to be paid for. 

  • Treatment Stipulations

    • ​Often, insurance companies will put a cap on the number of sessions they will pay for to treat a specific diagnoses. I do not believe in a one-size-fits-all approach to treatment. I do not believe that clients or I should be pressured into working at a pace set by an insurance company, that does not necessarily reflect the psychological needs or preferences of the client.  

  • Business Practice:​

    • Sometimes insurance companies contract to reimburse providers rates that are lower than the true market rate. I have no interest in haggling or fighting with insurance companies for over contracted rates for services rendered. This is time better served serving my clients. 

    • All payments from an insurance company to a provider are delayed, sometimes for weeks or months. They may even deny providers payment for treatment services, even after the client has received the services and/or preauthorizing payment. Then, in order to receive payment the provider must go after the patient OR the provider and the patient must haggle with the insurance provider to pay or provide reimbursement, or forfeit payment all together. Again, this is time better served serving and maintaining rapport with my clients. 


I prefer to focus on providing quality care for my clients, which is easier when we do not have to worry about how many sessions we have left, if and when an insurance company will compensate me for the treatment provided to a client, if and when an insurance company will pay for your treatment, and having filling my books with loads of clients to make sure I can keep the business afloat. 

Basically, this business model allows me to see a select number of clients. More often than not, I have openings sooner rather than later. Most new and current clients do not have to wait weeks on end for a session because my schedule is too tight. This provides flexibility so I can accommodate people's busy schedules. Not feeling pressed to stack clients for co-pays also means I'm not burned out when I work with you, allowing me to provide better quality of care to you. To that end, choosing this route allows me to practice what I preach - that is, balance, fostering resiliency, and being resourceful!  And to me that's what it's all about. 

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