💙 Fees & Insurance

At Mara’s Lighthouse Counseling Center, we believe that quality mental health care should be accessible and affordable. Our goal is to provide transparent information about the cost of services so you can make informed decisions about your care.

Below you’ll find details about our accepted insurance plans, self-pay options, sliding-scale availability, and important billing policies designed to help you plan for your treatment.

💳 Accepted Insurance Plans

We proudly partner with a range of insurance providers to make care as convenient as possible for you.

Florida, Georgia, Illinois, North Carolina, South Carolina, and Texas coverage includes:

  • Aetna – FL, GA, IL, NC

  • Anthem / Blue Cross Blue Shield – GA

  • Behavioral Health Systems

  • Blue Cross and Blue Shield of Florida

  • Cigna – FL, GA

  • ComPsych Managed Care

  • Curative / First Health

  • Devoted Health

  • G.E.H.A.

  • Humana

  • Interface Behavioral Health

  • Lucet Health

  • Magellan

  • Medicare

  • Meritian

  • NovaNet PPO Network

  • Optum – FL, SC, NC, GA, IL, TX

  • Tricare (Out-of-Network Provider)

  • United Behavioral Healthcare / AvMed / Oscar / WPAS

  • Veterans Administration (VA) Community Care Network

  • Virtual Blue / Telemed2u

🌿 Accepted Employee Assistance Programs (EAPs)

We also participate in a variety of EAP networks to support individuals and employees seeking confidential short-term counseling services.

  • Aetna EAP

  • ACI Specialty Benefits EAP

  • AllOne Health EAP

  • Centerstone Military EAP

  • Cigna EAP

  • ComPsych EAP

  • Corporate Counseling Associates, Inc. EAP

  • ESI EAP

  • ESPYR EAP

  • Health Advocate EAP

  • Intermountain EAP

  • Morneau Shepell (BDA)

  • New Directions Behavioral Health EAP

  • UHC / Optum EAP

💰 Self-Pay & Sliding Scale Options

As a trauma-focused and evidence-based practice, we understand that financial barriers can impact access to care. That’s why we strive to keep our self-pay rates affordable and transparent.

If we are out of network with your insurance plan, we can provide a Superbill for potential reimbursement through your insurance provider.

A limited number of sliding-scale appointments are available based on financial need, and we’re happy to provide referrals to community-based resources if cost is a concern.

Accepted Forms of Payment:
Cash, Visa, Discover, American Express, MasterCard, FSA, and HSA accounts.
All payments are processed at the beginning of each session.

🗓️ Cancellation & No-Show Policy

We understand that life can be unpredictable. If you need to cancel or reschedule your appointment, please contact our office at least 24 business hours in advance.

  • Cancellations made with less than 24 hours’ notice, or missed appointments, will be charged the full session fee.

  • For more details, please review our Cancellation / No-Show Policy available in your Client Portal.

📞 Continuity of Care & Crisis Resources

If you are unable to continue services with our practice, or need immediate assistance, we encourage you to seek alternate care and crisis support.

Recommended Resources:

  • Mental Health Resource Center (MHRC)
    11820 Beach Blvd, Jacksonville, FL 32246
    Phone: (904) 642-9100
    Website: www.mhrcflorida.com

  • 988 Suicide and Crisis Lifeline
    Call or text 988 for free, confidential emotional support 24/7.

These organizations can help you connect with crisis intervention, psychiatric stabilization, and ongoing community resources.

📄 Good Faith Estimate (GFE) Notice

You have the right to receive a Good Faith Estimate explaining how much your medical care will cost.

Under federal law, health care providers must provide a Good Faith Estimate for patients who do not have insurance or are not using insurance.
This estimate includes the total expected cost for services, including related costs such as tests, medications, or other associated fees.

Key Points:

  • You are entitled to receive a written Good Faith Estimate at least one business day before your service.

  • If you receive a bill that is $400 or more above your estimate, you can dispute the charge.

  • Always save a copy or photo of your Good Faith Estimate for your records.

For more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-985-3059.

💙 Questions?

If you have questions about billing, insurance verification, or payment options, please contact our administrative team at (904) 990-8105 or visit our Client Portal at www.therapyportal.com/p/maraslighthouse.