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Cost & Insurance

Outpatient counseling services are covered under most health insurance plans. Please check with your insurance company to ascertain the amount of coverage for mental health services, pre-authorizations and co-payments if your health insurance is a managed care plan, and any deductible that must first be satisfied. If your insurance requires a prior authorization, it is your responsibility to contact your insurance company prior to the first visit.


Lora Hoffstetter and Counseling Associates, LLC accepts health insurance coverage as well as self-payment for counseling services. Payment in full for self-payment clients or insurance co-payment, if applicable, is expected at each visit.


There are advantages and disadvantages to using the health insurance option or the self-payment option. Self-pay offers confidentiality, within legal limits. The choice of practitioner, and duration and type of treatment is preserved. No treatment records are released unless you instruct us in writing to do so, or as otherwise required by law. However, a higher out-of-pocket cost is incurred with the self pay option, although this may be tax deductible. The health insurance option may lower out-of-pocket costs, but it can also provide fewer choices and may provide confidentiality issues for some.


We accept cash, personal checks, and most major credit cards. We are also equipped to electronically submit insurance claims for you. Payment installment plan requests can be negotiated.


Call today for more information on our self-pay rates for counseling services.

Employee Assistance Programs and EAP Providers

Many employers offer Employee Assistance Programs (EAPs) to employees and their family members for short term mental health and chemical dependency counseling. Typically, your employer has a program set up with a local carrier where you would receive anywhere from 3-8 counseling sessions free of cost to you. If additional counseling is needed after your visits are used, you should be able to utilize your primary insurance benefits.

Participating EAP companies accepted at LHCA include:

  • Aetna EAP

  • Carebridge

  • Cigna EAP

  • Anthem EAP


  • AllOne Health

Participating Insurance Providers

LHCA accepts most major medical insurance plans. Below is a list of participating insurance companies. We do not participate with any Ohio Medicaid or Medicare products. Please be advised that it is the responsibility of the client to fully understand their insurance coverage. We suggest speaking with your insurance plan before making an appointment to verify benefits, deductibles and co-pay obligations, in-network and out of network status, etc. Please bring your most current insurance card with you to your appointment.

  • Aetna

  • Anthem BCBS

  • Beacon Health

  • Cleveland Clinic

  • Cigna Health Care

  • Medical Mutual of Ohio

  • Mutual Health Services

  • Multiplan/PHCS

  • Optum


  • SummaCare

*Please be aware that some insurance companies may carve out their mental health benefits to other companies. It is best to call your insurance carrier before your appointment and ask about your outpatient mental health benefits. Clients are responsible for any denied claims not paid by insurance. If you have any questions regarding using your insurance benefits please call our office at (330)650-4423 for additional help.

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