Updated February 2026

At St. Johns Women’s Counseling & Therapy, our approach to care is rooted in the belief that counseling should be deeply personal, ethically grounded, and aligned with the whole person — emotionally, mentally, and spiritually.

This philosophy informs both how we provide services and how we structure payment and insurance participation.

Insurance Participation

Our practice operates as an out-of-network provider with most insurance companies.

After each session, clients will receive an itemized receipt (“superbill”) that may be submitted directly to your insurance provider for potential reimbursement, depending on your individual plan benefits.

Full payment is required at the time of service.

Our Philosophy Regarding Diagnosis & Insurance Billing

Many insurance companies require a formal mental health diagnosis and treatment classification in order to approve and process claims.

While diagnosis can be appropriate and beneficial in certain clinical contexts, our practice recognizes that not every individual seeking counseling desires or benefits from being medically classified or labeled.

Our approach prioritizes:

• Meeting individuals where they are without unnecessary clinical labeling

• Protecting client autonomy and privacy whenever possible

• Supporting growth, healing, and guidance that may extend beyond strictly medical models of care

For these reasons, we have chosen not to bill insurance directly. This allows our counselors to focus on the therapeutic relationship and individualized care rather than insurance-driven treatment structures.

Clients remain free to pursue reimbursement independently if desired.

Fees & Payment Responsibilities

SJWCandT provides services according to the fees and charges communicated at the time of booking or service engagement.

Unless otherwise stated:

• All prices exclude applicable taxes, processing fees, or similar governmental charges.

• Any such additional charges are the responsibility of the client and will be added to service fees where required.

We may:

• Introduce new services with associated fees

• Modify pricing prospectively for existing services

• Provide advance notice of any changes.

Payment Authorization & Client Responsibility

By engaging with our services, you acknowledge responsibility for maintaining valid and sufficient payment methods.

Accepted payment instruments (including those processed via Stripe or other processors) must remain current and usable.

Failure to maintain payment may result in:

• Suspension of services

• Restricted access to the client portal

• Termination of the client relationship in cases of ongoing delinquency.

Refund Policy

All payments are considered earned at the time of service unless otherwise explicitly stated.

• Payments are non-refundable.

• Partial use of services does not qualify for refunds or credits.

• Termination or expiration of services does not create entitlement to reimbursement.