We are credentialed with and in-network with a variety of insurance carriers and plan options. However, we cannot guarantee we are approved with every insurance plan out there. We always recommend you call the number on the back of your insurance card to verify if we are in-network, what type of copays/coinsurance are included with your plan, and if you have mental health benefits.
If you've got questions, give us a call at 601-654-5661 or send us a text today. We can help you determine your benefits and make sure you ask your insurance company the right questions.
Understanding insurance can feel confusing—especially when you’re already overwhelmed and just trying to get help.
At Downtown Counseling Associates, we believe clarity is part of care. This page is designed to help you understand how insurance, deductibles, and out-of-pocket costs typically work before your first appointment—so you can move forward with confidence.
Using insurance does not always mean your appointment is “free” or low-cost at first. Many plans require you to meet a deductible before insurance begins covering mental health services. Until that deductible is met, you are responsible for the full contracted rate of your appointment.
This is one of the most common—and frustrating—surprises in healthcare. We want to prevent that.
This is very common. In this case:
Before your deductible is met, you’ll likely have a predetermined amount from your insurance company that you’re responsible for paying upon arrival, at every session. Then, if your annual deductible has been met, you might:
We’ll help confirm this when possible—but final responsibility always follows your plan’s explanation of benefits. This is because each and every insurance carrier, group, employer (you work for), and plan is different.
Some clients choose private pay for:
We’re happy to discuss this option if it feels like a better fit. Our Cash Pay rates are set and posted on our services page here.
We do our best to verify benefits before your first appointment and share what we find.
However, insurance companies:
Because of this, the patient is ultimately responsible for understanding their plan and any charges applied. That said—we will never intentionally surprise you. If something is unclear, we encourage you to ask before your appointment.
Mental health appointments—especially psychiatric care—often involve:
If you’re early in the year or new to using insurance, initial costs may feel higher until your deductible is met. Many clients tell us: “I wish someone had explained this before—I would’ve worried less.” That’s why this page exists.
If cost is a concern, please talk with our team before your appointment so we can discuss available options.
Paying toward your deductible is not “wasted money.” It is:
Avoiding care because insurance feels confusing often ends up costing more—emotionally and financially—over time.
We commit to:
If you ever feel unsure, overwhelmed, or confused, please reach out. You’re not expected to navigate this alone.
Please reach us at info@downtowncounseling.org if you cannot find an answer to your question.
It is often the case that insurance plans and benefits are complicated. There's plenty of room to discuss your expectations and financial capabilities. Unfortunately, we do not set your benefits. We can only report back what the insurance company tells us they will allow, cover, pay, or support. Typically, we will direct you to the Customer Service number on your insurance card if you have a disagreement about a payment that we cannot resolve as those amounts are set by your insurance carrier.
Many plans are different and costs can vary. This is why we do our best to verify your coverage prior to your first appointment and strongly encourage you to speak to your insurance company prior to your first appointment if you're unsure of what amounts to expect them to cover.
No. We are not legally allowed to waive, reduce, or remove your copays and coinsurance costs. These are set by your insurance company and we are required to follow them per our agreement to be in-network with your specific company.
Yes. Some insurance companies will allow you to submit a superbill to show the out-of-pocket (cash) charges that you've paid for covered services to request reimbursement directly from them. This is often useful if you have a third-party coverage company, multiple insurances, and/or have been paying cash even though you have some insurance coverage.
Copyright © 2026 Downtown Counseling - All Rights Reserved.
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.