Rates and insurance plans accepted vary by therapist - please view their bios here for specific rate and insurance information information.
Metamorphosis therapists are in network with most insurance plans from:
Highmark/BlueCross BlueShieldUnited HealthcareOptumAetna Commercial PlansIf you do not see your plan listed, you can still see a Metamorphosis therapist by using your out-of-network benefits. We submit courtesy bills for out-of-network reimbursement.
Karen Petroski is in network with Medicare - see her bio here!
We are not in-network with Medicaid/Medical Assistance Plans., including any Medicaid/Medical Assistance plans managed by the above insurers. We are not in network with any Medicare Advantage plans. Medicaid/Medicare plans do not allow out-of-network billing, but you may pay out of pocket if you wish.
Click the “Get started” button below to begin. I look forward to hearing from you!
It’s important to us that therapy is affordable to all - we work with the Open Path Collective to offer sliding scale sessions. Click here to learn more!
Accepted Forms of Payment
Metamorphosis Counseling accepts all major credit cards and HSA/FSA debit cards. Metamorphosis Counseling does not accept cash or any types of checks. Payment is due at the time of service and will be processed via the client portal during your session. A credit card form will be sent to you with your intake documents to fill out prior to your first session.
You are responsible for payment of your session if you lose coverage, or if your insurance does not pay for the session’s claim. A credit card must be kept on file to begin services.
Regarding Couples and Family Counseling
We understand that insurance is complicated. To help you make an informed decision about your care, we want to be transparent about how insurance companies handle relationship work.
In order for couples or family counseling sessions to be covered by insurance, they must have a similar structure to individual therapy. This means your therapist must:
Designate one member of the relationship/family as the “identified client” or primary patient
Diagnose the “identified client” with a plan-recognized mental health diagnosis
Document each session and the interventions used to prove that the couples/family sessions were “medically necessary” treatment, specifically for that individual’s diagnosis.
During your initial evaluation period, we will discuss whether your situation meets these insurance requirements. If it does not, or if you simply prefer more privacy and/or a focus solely on your relationship dynamics, we are happy to provide care on an out-of-pocket basis.
We’re here to help you navigate these options so you can choose the path that feels right for you.
How Does Out-of-Network Billing Work?
Should you wish to see a therapist at Metamorphosis who is not in network with your insurance, you can use your insurance’s out-of-network benefits. We recommend calling your insurance company or using their online portal to confirm specific costs.
Should you choose to use out-of-network benefits, you will pay Metamorphosis out of pocket for your therapist’s full rate at the time of service. Metamorphosis will submit a claim to your insurance, requesting that they reimburse you the covered out-of-network amount.
Note that Metamorphosis cannot guarantee that any insurance company will reimburse any claim.
Why Consider Paying Privately or “Out of Pocket”?
In order to have your therapy services paid for or reimbursed to you under insurance:
a mental health diagnosis must be made
your insurance has the right to ask for copies of your records (and once they are provided, your therapist cannot control what your insurance does with your information)
your insurance has the ability to limit the frequency and length of your sessions, the types of therapy you receive, and where your session is held
your therapy must be deemed “medically necessary”, which can limit what you are able to work on in therapy
As a result, some clients choose to pay out of pocket for their services in order to have more privacy and control over their therapy services. If you wish to opt out of using your insurance, please notify us - all you need to do is complete a form. Metamorphosis Counseling respects your choice, and is happy to work with you to come to a decision if need be.
Important information about your rights if uninsured, using out-of-network benefits, or paying out-of-pocket:
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using their insurance an estimate of the bill for medical items and services.
You have the right to receive a “Good Faith Estimate” for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
Make sure your healthcare provider gives you a “Good Faith Estimate” in writing at least one (1) business day before your medical service or item. You can also ask your healthcare provider, and any other provider you choose, for a “Good Faith Estimate” before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call (800) 368-1019.
