Frequently Asked Questions

The cost of counseling services varies depending on the type of insurance you have, copays, co-insurances and deductibles. Current insurances accepted: Blue Cross Blue Shield, Cigna, Aetna and United Healthcare.  For a more accurate cost contact your health insurance provider. 

Yes! Telehealth is a good alternative to in person counseling. It can be used as the primary contact method of counseling or as a scheduling time saver if a client can't make it into the office. Phillip provides telehealth to residents in the state of Mississippi and Tennessee. 

Phillip  can help you with a wide range of issues including  addiction recovery, anxiety, depression, relationship problems, stress management, trauma, spiritual concerns, LGBTQIA+ concerns and more. Phillip will work with you to develop a treatment plan that meets your unique needs and goals.

The frequency of counseling sessions will depend on your individual needs and goals. Some clients may benefit from weekly sessions, while others may attend bi-weekly or monthly. To build rapport and get a jump start on your concerns it is recommended to attend weekly when first starting counseling. 

 Yes, but you will need to check with your EAP plan to make sure Phillip is in network. 

EAP (Employee Assistance Program): if you plan on utilizing an EAP program we must have the following or your appointment may be rescheduled:

1. EAP Contract/ Authorization Letter

2. EAP Authorization Number

3. Name of EAP insurance company (sometimes  different from your main insurance)

4. Address of EAP claims department so we can submit claims

5. Number of sessions approved

 What is a Copay?  This is a set amount you pay for certain services. When there is a copay, you do not have to meet your deductible before benefits are paid on your service. 

What is a Deductible?  The amount that you will be responsible for before insurance will start to pay any portion on claims.

What is Co-insurance?  The shared cost between the insurance company and the member. This amount is owed on services done in an office visit or after your deductible is met.

What is an Out of Pocket Maximum?  This is the most that you will pay in a calendar year for covered services. In your plan, this includes your deductible – not in addition to your deductible.

What does In-Network mean?  In-Network physicians and providers have direct contracts with your insurance company legally preventing them from charging you more than insurance adjusts your claims for.

What does Out-of-Network mean?  Out of Network physicians and providers do not have contracts with your insurance company. They may “accept” your insurance, but they can still charge you more than insurance says you owe because there is no contract between them to take the insurance payment as payment in full.

What are Network Providers?  Doctors, hospitals and other healthcare providers who have an agreement/contract with insurance companies agreeing to charge a discounted amount for services they render.

What is Pre‐Authorization?  Certain procedures or hospitalizations may require that the provider receive authorization. The provider is typically the one to go through this process with the insurance company and obtain pre-authorization.

What are Explanation of Benefits (EOB)?  The EOB is mailed to the employee after a claim is received and processed by the insurance company. The EOB will describe how the claim was processed and outline what portion of the charges are applied to the deductible, what portion the employee is responsible for, and explain if there is a denial or error processing the claim.

What is an Appeal?  If your health insurance company doesn’t pay for a specific health care provider or service, you have the right to appeal the decision and have it reviewed by an independent third party.