Fees, Insurance, & Information
We are a group of independent clinicians who provide counseling/psychotherapy and holistic health
consultations to individuals, older children, adolescents, couples and families. Each provider works as an
independent clinician and is responsible for his or her own private practice, fees and hours.
All clinicians and practitioners offer a free initial phone consultation and take specific insurance. Please confirm with your insurance company that the therapist you choose is a provider for your insurance as they are unable to confirm.
PLEASE NOTE: Lorel takes limited in-person clients in Tucson, and Dr. Hayes does statewide telehealth in AZ, as well as in-office clients in Show Low, AZ, Pinetop/Lakeside and surrounding areas in the White Mountains.
Frank Vargas MSW, LCSW Nearly 35 years experience
AVAILABILITY: Thursdays, Fridays and Saturdays 9am to 6pm (last client).
SELF-PAY RATES: $120.00 - 1 hour session; ;
INSURANCE: Medicare, United Healthcare, Optum, Blue Cross/Blue Shield, Compsych, and most EAP.
AGES/PARTICIPANTS: Frank works with Adolescents (14 up), Adults, Seniors, Single Parents, Racial Justice Allied,
LGBTQIA+, Veterans
Chris Kraft MSW, LCSW Nearly 30 years experience
AVAILABILITY: Flexible schedule through the weekday and some weekend hours.
SELF-PAY RATES: $110.00 - 1 hour session;
INSURANCE: United, Healthcare OPTUM, Blue Cross/Blue Shield, Aetna, Compsych, Meritain Health, and limited EAP.
AGES/PARTICIPANTS: Chris works with Adolescents ages 12-17, Families, Couples, and Adults of all ages from all ethnicities, and backgrounds.
Lorel Humburg MSW, LCSW Over 30 years experience
AVAILABILITY: Monday - Wednesday 9:30 AM - 6:00 PM Thursday 9:30 AM to 12:30 PM
SELF-PAY RATES: $110.00 - 1 hour session;
INSURANCE: Blue Cross/Blue Shield, United Healthcare, Optum, Aetna, Magellan, Compsych, Meritain Health, and EAP.
AGES/PARTICIPANTS: Lorel sees older Adolescents, Families, with older children, Couples, and Adults of all ages. She sees persons of all ethnicities and backgrounds.
Deb Hayes PhD, LPC, LISAC, HHP Approximately 35 years experience
AVAILABILITY: Monday, Tuesday and Wednesday with varied hours, including evenings .
SELF-PAY RATES: $150.00 - 1 hour session for psychotherapy only; Consultation fees vary.
INSURANCE: United Healthcare, OPTUM, Blue Cross Blue Shield, Aetna, Meritain, Health, and limited EAP.
AGES/PARTICIPANTS: Dr Hayes works with Adults and Couples of all ethnicities, communities, and backgrounds.
No Surprise Act-Good Faith Estimate
This only applies to those who are not using insurance and will be self-pay. Additionally, it only
applies for services you WERE NOT expecting and not for services provided.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
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You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
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Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
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If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.
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For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-985-3059.
Given the complexity of mental health therapy, we cannot predict exactly how many sessions you will need as this will vary depending on your goals, concerns, risks, support needed, and other factors. Frequency may change, whether permanently or temporarily, as initiated by therapist or client.
Therefore, what we can give you based on a Good Faith Estimate (GFE) is the following:
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The GFE is meant to ensure transparency of costs for patients and prevent surprise billing or unexpected charges only.
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We cannot estimate how many sessions it will take, especially since this estimate is required before we even see you.
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Even after we see you, there is no way of telling you how many sessions you will need but we can help you decide whether or not you should continue based on our first meeting, what you need, and your financial resources.
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The estimate is based on additional charges that would be a surprise to you. Since you must pay per session, there should not be any surprises for additional fees and services, since these services are clearly identified and paid for accordingly.
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What we can promise, is that the amount you have on your payment agreement is the amount you will be charged per therapy session and this will not change during the duration of your treatment and at any point in therapy you can stop.
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If you are discharged and resume treatment at a later date, you will start over at the current rate.
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Since we do not allow debt to incur over one session, any bill you may receive due to issues with your insurance or card, etc., is one that you already owe based on your session already attended.
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There should never be a time that we would send you a bill for above $400 indicating additional services as we only provide psychotherapy.
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This does not include late-cancellation or no-show fees as they are unexpected and cannot be estimated.
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If you need an actual estimate, other than what is listed here, we recommend that you go to a therapist who may be able to accommodate you or other community agencies who may be able to give you an estimate.
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If you are having difficulty understanding this government ruling, please call 1.520.981.4547.