Fees & Insurance
At Raincross Family Counseling, we believe quality mental healthcare should be accessible to our Riverside, Corona and Los Angeles communities.
We're committed to transparency about our fees and insurance options, and we're here to help you navigate the financial aspects of your healing journey.
Our Rates
We offer a range of services with different fee structures to meet varying needs. All rates reflect our commitment to providing exceptional care with licensed professionals.
Associate Marriage & Family Therapists (AMFT)
Individual Sessions (50 minutes): $80
Couples and Family Sessions (50 minutes): $80
Licensed Marriage & Family Therapists (LMFT)
Individual Sessions (50 minutes): $145
Couples and Family Sessions (50 minutes): $145
EMDR Therapy
Sessions with Certified EMDR Therapist (50 minutes): $175
Sessions with EMDR Therapist (50 minutes): $125
EMDR Consultation (For Professionals)
Individual Consultations: $150 per hour
Group Consultations: $50 per two-hour group (up to 10 consultees)
Insurances Accepted
We understand insurance coverage is important for many of our clients. We're pleased to work with several major insurance providers to help make your care more affordable.
In-Network Providers
Our Licensed Marriage and Family Therapists are in-network with:
Anthem Blue Cross, Blue Shield of California, Aetna, Cigna, United Healthcare/Optum, MHN/Health Net, Kaiser (through external referral), Magellan, Beacon Health Options, and IEHP(Inland Empire Health Plan)
For Associate Therapists (AMFTs)
Through supervisory billing, our Associate MFTs can accept:
Anthem Blue Cross, Aetna, Cigna, California Victims Compensation Board (CalVCB)
Out-Of-Network Benefits
If we don't accept your insurance directly, you may still be able to receive reimbursement through your out-of-network benefits. Here's how it works:
Pay for services upfront: You'll pay our standard fee at the time of service.
Request a superbill: We'll provide you with a detailed superbill that includes all the information your insurance company needs.
Submit for reimbursement: You'll submit this documentation to your insurance provider for potential reimbursement according to your plan's out-of-network coverage.
Receive reimbursement: Your insurance company will send any eligible reimbursement directly to you.
Before beginning therapy, we recommend contacting your insurance provider to verify your specific out-of-network benefits for mental health services. Ask about:
Your deductible amount and whether it's been met
The percentage of coverage for out-of-network mental health providers
The number of sessions covered annually
Whether pre-authorization is required
Cancellation Policy
We understand that life happens, and sometimes appointments need to be rescheduled. However, to serve all our clients effectively, we maintain the following cancellation policy:
These fees are not billable to insurance and will be charged to the credit card on file. Exceptions may be made in cases of emergency at the therapist's discretion.
48-Hour Notice: We require 48 hours' notice for all cancellations or rescheduling.
Late Cancellation Fee: Cancellations with less than 48 hours' notice will incur a fee of 50% of your session rate.
No-Show Fee: Missed appointments without notice will be charged the full session fee.
Frequently Asked Questions
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Yes, we offer a limited number of sliding scale spots based on financial need and current availability. Please discuss this with our intake coordinator if cost is a barrier to receiving care.
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We recommend calling the member services number on your insurance card and asking about your mental health benefits, specifically for outpatient therapy with a Licensed Marriage and Family Therapist (LMFT).
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We accept all major credit cards, HSA/FSA cards, personal checks, and cash.
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The duration varies widely depending on your specific concerns, goals, and commitment to the process. Some families find significant improvement in 8-12 sessions, while others benefit from longer-term therapy. We regularly review progress with you and adjust the treatment plan accordingly. Our goal is to provide the support you need for as long as it's helpful, without creating unnecessary dependency.
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Payment or copayment is due at the time of service. For telehealth appointments, we'll charge the card on file after your session.
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If our services don't fit your current budget, we're happy to provide referrals to community resources, including lower-cost options and support groups in the Riverside area.
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Most clients begin with weekly sessions, then may transition to bi-weekly as progress is made. Your therapist will discuss the recommended frequency based on your specific needs and goals.
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We can work with you to establish a payment plan for special circumstances. Please discuss your needs with our office manager.
Let's Start Your Healing Journey Together
We're here to support you not just therapeutically, but also in navigating the practical aspects of receiving care.