FAQ

If your questions still aren’t answered, please send us an email.

We are happy to work with your insurance company. Some of our clinicians are paneled with insurances. For those that aren’t, we can work with your insurance either through out-of-network provider coverage or a single-case agreement (read “How can I pay for therapy” to find out more). Call the office at 801-687-9509 to find out which insurances we accept.

Option 1: Pay out-of-pocket

Many people choose to pay for therapy out-of-pocket for a variety of reasons:

  • People may wish to keep their diagnoses private. When billing insurance, a diagnosis code is required for reimbursement/payment. These codes become a permanent record with insurance companies.
  • Many people have high-deductible plans, where insurance companies do not pay for therapeutic services until deductibles are met. With relatively healthy individuals and families, these deductibles may not be met within the year. Utilizing insurance in these cases would limit a person’s options as far as what treatments and what providers to see, while not giving them any kind of financial benefit. In these cases, people may choose to forgo the insurance route in order to have more freedom in selecting providers and specialties.

Option 2: Insurance Reimbursement for Out-of-Network Providers

Some insurance plans reimburse clients when they see out-of-network providers. Check with your insurance plan to see if they accept “superbills” for out-of-network providers. If they do, make sure they specify whether you need to see fully licensed (LCSW) clinicians or if they also reimburse for provisionally licensed ones (CSW).

If your insurance offers out-of-network provider coverage, here is how the process works.

1. Client is billed for and pays for service

2. Harmon Psychotherapy & Consulting creates a “Superbill” (or Statement for Insurance Reimbursement), which is a document that includes all relevant information for the insurance company (diagnosis codes, dates of service, amount paid, etc.)

3. Client accesses Superbills through our client portal or by contacting us and asking for it to be emailed to client

4. Client submits the Superbill to the insurance company for reimbursement to be paid directly to the client.

Option 3: Single Case Agreement

When there are no providers who offer services necessary for clients, insurance companies may offer a “single case agreement.” This is especially relevant for clients seeking full DBT treatment. A single case agreement is a contract between the out-of-network provider and the insurance company. The client would reach out to their insurance company and find out the process for applying for a single case agreement. Find more information here about single case agreements for DBT treatment (explanations about how it works, ideas about how to talk to your insurance company, etc.)

If you have further questions, please contact us either by phone or email. We’d love to support you in getting the help you need.

Harmon Psychotherapy is located on the garden level of the Orem eye clinic in Stratford Business Park (760 N 530 E). 

  • When you enter the business park from 800 North:
  • Drive straight ahead, all the way to the back of the parking lot. 
  • Turn left 
  • Drive until you reach the end of the parking lot.
  • Park
  • Walk down the stairs and look for our sign and street number 
  • Come into our waiting room, where your therapist will greet you when they are ready for your appointment. 

Finding the right therapist is an important step, and it’s okay if it takes a little time. A good place to start is by identifying what you’d like support with, such as managing emotions, healing from trauma, reducing anxiety, or improving relationships.

Different therapists use different approaches. For example, Dialectical Behavior Therapy (DBT) can be helpful for building coping skills, emotion regulation, and distress tolerance. EMDR and Accelerated Resolution Therapy (ART) are often effective for processing trauma, anxiety, and distressing experiences. Choosing a therapist who is trained in an approach that matches your goals can make therapy more effective.

It’s also helpful to consider practical factors like scheduling availability, whether you prefer in-person or virtual sessions, and insurance or self-pay options. Most importantly, the therapeutic relationship matters—therapy works best when you feel safe, understood, and supported. Many clients find it helpful to schedule an initial consultation to ask questions and see if the therapist feels like a good fit.

If you’re unsure where to start, our team is happy to help you connect with a therapist whose training and approach align with your needs and goals.

Please call our office at 801-687-9509 for help with scheduling an appointment.

Your first visit, known as an intake session, is a relaxed and collaborative opportunity for you and your therapist to get to know each other. You’ll talk about what’s bringing you in, your concerns and goals, and relevant background information. Your therapist will also review confidentiality and consent, explain how therapy works, and answer any questions you may have. Together, you’ll discuss next steps and determine whether ongoing therapy or group services are a good fit.

Understanding what your coverage is and what all the terms mean can be quite confusing. The following is a brief explanation for each of the main insurance terms:

Premium: The set monthly fee you pay to have your health insurance. Your employer may pay all or part of this if this is part of your employee benefits. Or you may pay all of this if you buy your insurance on your own.

Deductible: How much you are required to pay for any health care services and procedures before your insurer pays anything. Most plans have a separate individual deductible and family deductible. The family deductible is usually the aggregate of all payments for individuals covered on the plan. Once the family deductible is met the deductible is met for all members on the plan. Your plan may have a separate out-of-network deductible for out-of-network services if your plan has out-of-network benefits.

Co-pay: A set fee you make required by your insurance at doctors offices, therapy visits, and at other health care professionals for routine services. Typically the co-pay does not count toward your deductible but must by law count toward your out-of-pocket maximum.

Co-insurance: The percentagefrom your specific insurance plan that you are required to pay for health care services after you’ve met your deductible (most often somewhere between 10%-50% depending on your plan, the insurance pays the remaining percentage).

Out-of-pocket maximum: The absolute max you’ll pay for all health care annually. Your plan may have a lower In-Network OOP max, and a larger Out of Network OOP max. Once you’ve met the OOP max your insurance will pay 100% of all costs. The out-of-pocket limit doesn’t include:

  • Your monthly premiums
  • Anything you spend for services that your plan doesn’t specifically cover
  • Some or all Out-of-network care and services. Your plan may include a separate out-of-network OOP max if your plan has OON benefits.

For more detailed explanations of your specific plan, eligibility, and benefits we again encourage you to contact your health insurance (call the number on your insurance card or login and look up details of your plan at your insurance website).

Depending on your current health insurance provider, it is possible for services to be covered in full or in part. Please contact your insurance provider to verify how your plan compensates you for psychotherapy.

We’d recommend calling the member line located on your insurance card and asking these questions to your insurance provider to help determine your benefits:

1. Does my health insurance plan include mental health benefits?

2. Do I have a deductible? If so, what is it and have I met it yet?

3. Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?

We recognize that unforeseen events occur in daily life. If for any reason you are unable to make a scheduled appointment, please notify us as soon as possible. The full fee will be charged when there is a missed appointment or a late cancellation without 24 hour prior notice.

Most of these are links to books on amazon.com. Many of them you can buy directly from the publisher’s website as well.

General well-being:

Anxiety:

Mindfulness:

Shame and lack of self compassion:

Relationship/Couples’ Issues: