What should I do if I am having a mental health crisis?

If you are having a mental health crisis, call or text 988 or go to your local emergency department.

If you are having a medical emergency, call 911 or go to your local emergency department.

If you are not having an emergency, please follow these steps:

• Did you develop a Crisis Response Plan with your therapist?

  • If yes, follow the steps laid out in your individualized plan.

  • If not, or if you cannot find it, please move on to the next step below.

• Are you having suicidal thoughts?

  • If yes, please call/text The Hopeline at 877-235-4525 or The Suicide and Crisis Lifeline at 988.

  • If not, please move on to the next step below.

• To locate a Crisis Center in your North Carolina county, visit CrisisSolutionsNC.org

  • Select your county from the drop down menu.

  • Select the option that best fits your needs.

  • If a crisis center is not listed, call 988 or go to the nearest hospital.

What insurance plans does Nour Counseling accept?

We are in-network with the following insurance carriers:

• Blue Cross Blue Shield (all PPO, Blue Value, Blue Advantage, Blue Care HMO, Indemnity)

• Blue Cross Blue Shield NC State Health Plan

• Aetna

• Ambetter of North Carolina

• Carolina Behavioral Health Alliance

• MedCost

How do I find out if my insurance covers counseling?

You can call your insurance company directly and ask them if they cover behavioral mental health services. The phone number is generally on the back of your insurance card, and is often listed as “member services” or “customer service.”

What questions should I ask my insurance carrier?

Therapy services might be covered in full or in part (such as a copay or coinsurance). Please be sure to check the coverage for your plan by asking the following questions:

• Do I have mental health insurance benefits?

• What is my copay or coinsurance?

• Is mental health coverage subject to deductible?

• What is my deductible, and has it been met?

• How many sessions per year does my health insurance cover?

• Is pre-approval required from my primary care physician?

What if my insurance plan is out-of-network?

We provide courtesy billing if your insurance is out-of-network in order to save you the hassle of filing yourself. You would pay the self-pay rates at each session, and we then file a claim with your insurance, requesting to reimburse you directly for any eligible amounts based on your insurance plan. We strongly advise you contact your insurance provider before securing services to discuss benefits.

Is teletherapy the right fit for me?

Online counseling provides a convenient option for individuals seeking therapy who prefer the privacy of their own settings or cannot feasibly go to an office for sessions. Research has shown that clients can receive the same level of care and satisfaction through telemental health services as they can in person. Even for people who are not generally comfortable with technology, most people find that they get accustomed after 2-3 sessions.

How do I submit payment for therapy services?

When you make your first appointment with one of our therapists, we will email you a link to create a patient portal. At that time, you will be asked to complete several forms online and provide a credit card to keep on file. Based on your estimated copay/coinsurance, your card will automatically be charged the day of your therapy session. You can change the card on file at any time by making a request to your therapist or our administrative team, or by simply logging into the portal.

What is the cancellation policy?

We request 24-hour notice to reschedule or cancel an appointment. If you do not show up for your scheduled appointment or have not provided notice to reschedule or cancel your appointment at least 24 hours in advance, your credit card on file will be charged $75 for the missed session.

Good Faith Estimate

In accordance with the No Surprises Act, Nour Counseling & Consulting, PLLC provides a Good Faith Estimate to self-pay clients and clients using out-of-network insurance benefits. More can be found on the No Surprises Act at https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/no-surprises-act