Fees

Dr. Kathy Hubley Carruthers and her Associates wish to announce that as of January 1st, 2016, fees for psychological services will be increasing by $10 per therapy, reporting and consulting hour. This fee increase will apply to current clients and new referrals.

As of January 1st, 2016, therefore, fees for individual therapy will be charged at $170.00 per hour and fees for couples and families will be charged at $190.00 per hour. Assessments & Screening will be charged at $175.00 per hour. **Please note, as always, Invoice Date Interest will be charged on overdue accounts at the rate of 2% per month (26.82% per annum) and accounts still outstanding at the one year mark will be sent to collections for recovery.

If you have any questions or concerns about this fee increase, please speak to our administrator and /or your Psychologist.

What are the methods of payment?

Please visit our method of payment page for more information.

Are my fees covered by my insurance?

While private psychological services are not covered by MSI, they are covered under some Employee Assistance Programs (EAPs) and many extended health plans such as Medavie Blue Cross, Great West Life, SunLife, Maritime or Manulife, etc.

Prior to coming to your first appointment, please contact your insurance provider and/or EAP program to inquire about your coverage for psychological services. We would be happy to issue you a receipt for insurance purposes.

Please also be advised that psychological services are tax deductible as a medical expense, and you should retain a copy of your receipt for tax filing purposes.

All of our psychologists are registered with the Nova Scotia Board of Examiners of Psychology, and therefore all of fees charged by all of our psychologists are covered by extended health care and are tax-deductible as medical expenses.

How many sessions will I require?

Usually multiple therapy sessions are required to treat a particular problem. The exact number of sessions will depend on the nature and severity of your presenting problem. At the end of the assessment phase of your treatment (usually after the first or second session of therapy), your psychologist will discuss your treatment plan with you, and provide an estimate of the number of sessions he/she recommends. You are encouraged to discuss the rationale for these sessions, and any questions or concerns you may have regarding the nature or duration of your treatment directly with your psychologist.

As an example, a brief cognitive behavioral therapy model for depression is usually between six (6) and twelve (12) sessions. A moderate course of cognitive behavioral therapy for depression is usually between twelve (12) and eighteen sessions (18) and a long-term cognitive therapy treatment plan for chronic and severe depression is between eighteen (18) and twenty six (26) sessions.

Many individuals struggle with more than one problem at a time (i.e., depression and anxiety and relationship difficulties), and therefore, in order to treat all of these conditions simultaneously, a longer course of therapy may be required. Further, some supportive therapy models are of a longer duration than twenty six sessions. Some conditions, such as Post-Traumatic Stress Disorder (PTSD), may take longer to treat. On the other hand, some conditions are of a shorter duration (i.e., adjustment disorders) and may take only a few sessions for gains to be realized. Your psychologist may chose to employ a brief therapy model for the treatment of such conditions.

At the onset of therapy, is it usually advisable that sessions are booked with some continuity between sessions (i.e., every two weeks for the first six sessions). As therapy continues and gains are being realized, however, a longer duration between sessions may be more appropriate (i.e., once monthly). You are encouraged to discuss any questions or concerns you may have about the costs (or ongoing feasibility) of therapy with your psychologist directly.

How am I billed for the time?

Payments are made at our Reception Desk prior to your session. We encourage you to arrive approximately 10 minutes early for your appointment in order to process your payment. At the beginning of your initial session, you will be given an Informed Consent Form and a Privacy Policy Form to review and sign.

As noted under fees, Individual Therapy is $170 per hour. Couple Therapy and Family Therapy is billed at $190 per hour, and these fees may be billed under the extended health care plans of any of the family members who are present in the session.

Individual Therapy is traditionally booked for one (1) hour (50 minute session duration with 10 minutes for file review and/or notations). Individual therapy typically begins with an assessment session, however, which takes longer to complete. We therefore encourage you to book a 1 ½ hour session the first time you come in.

Couple and Family Therapy is booked for a two (2) hour appointment for the first appointment after which the couple or family can decide on 1 ½ hour or 2 hour sessions thereafter. Some couples and families prefer longer appointments, while others prefer shorter. Often when adolescent children are part of the family arrangement, a shorter duration is preferred. We are flexible in this regard, and you are encouraged to discuss the most appropriate arrangement with your psychologist directly.

How do I submit my claim for reimbursement?

Almost all insurance companies require that clients pay for services directly and submit their receipts to their insurers for reimbursement. Please contact your employer directly to enquire about direct submission to your extended health care plan, or contact the Human Resources department of your organization for further details.

In some special circumstances, we will bill your insurance company DIRECTLY. For example, Medavie Blue Cross, Lawyers Assistance Program (LAP), The Royal Canadian Mounted Police, First Nations Non-Insured Health Benefits, Realtor’s Assistance (RAP), have all agreed to cover the cost of psychological services directly. If you are a member of any of these organizations or programs, please ask at the desk about direct billing practices. PRIOR TO COMING TO YOUR APPOINTMENT, please get in touch with your employer and/or these programs directly to ensure you have your proper billing information to share with our front office. Please also feel free to discuss any concerns regarding your coverage with your psychologist directly.