Frequently Asked Questions & Resources

I provide online therapy in seven states. Indiana, Iowa, Arkansas, Florida, South Carolina, Vermont, and Michigan. I also have limited in-person availability here:

Indianapolis Location - 941 East 86th Street, Suite 112, Indianapolis, IN 46240

Housed in Peace of Mind Counseling - Nora area

Hours vary from 8 am to 5 pm EST Monday through Friday

Closed Saturday & Sunday & Evenings

Free 15-20 minute Consultation via Zoom - hours and days vary

Please Call 317-648-9295 or Email heather@setsailtherapy.com

**If you do not see availability please contact me and we can explore scheduling options that work for you.

$130 per standard counseling session 

$150 for the Initial Intake counseling session

$150 for couples counseling session

I accept all major credit cards as payment, including HSA and FSA credit cards. At time of completing intake forms I will ask that you input a credit card to keep on file in my secure portal. At the end of each session, your card will be charged. Sessions are not held until paperwork and card information is completed.

Please remember to cancel or reschedule 48 HOURS IN ADVANCE. In some circumstances fees may be waived.

• Appointments canceled between 24-48 hours will be charged $50.

• Appointments canceled less than 24 hours in advance will be charged $100.

• No-shows will be charged the full session fee.

For telehealth sessions, I will wait 15 minutes. Unless I’ve heard from you and arrangements have been made, I will then consider the session a no-show.

This policy is in place to promote your engagement in the therapeutic process as well as to be mindful and respectful of other clients who may require services.

I am In Network with IU Health and CareSource Marketplace Indiana and the employee assistance provider (EAP) Lyra Health. I am Out of Network with all other insurance companies. Many insurance plans have out-of-network benefits in which your plan may pay a portion for therapy services. You may review this tip sheet for guidance on what questions to ask your insurance company. Most insurance plans have deductibles that need to be met before coverage kicks in even if you are seeing someone “in-network.” Be sure to call your insurance carrier to find out if you have a deductible to meet before you can receive reimbursement.

I can provide you with documentation (also known as a Superbill) for out-of-network benefits. If you plan on using these benefits, I highly recommend you contact your insurance company to make sure they cover telehealth services and ask how to submit for reimbursement. I do not guarantee that you will receive reimbursement from your insurance company for services.

To assist clients with the out-of-network insurance claims and the reimbursement process, I have partnered with Reimbursify. To learn more, please visit: Reimbursify.

Please be aware that insurance companies require a diagnosis and other treatment disclosures for you to receive reimbursement. Clinical diagnoses made by your Therapist become a part of your permanent health record.

As of January 1, 2022, all healthcare providers are required to provide estimates for the costs of your care. The GFE shows the cost of items and services that are reasonably expected for your healthcare needs and treatment. This will be provided by this office and/or as requested. The GFE does not include unexpected costs that could arise during treatment. Please click this link for information pertaining to this new act starting 1/1/2022.

Right to Receive a Good Faith Estimate of Expected Charges

YOU HAVE THE RIGHT TO RECEIVE A “GOOD FAITH ESTIMATE” EXPLAINING HOW MUCH YOUR MEDICAL CARE WILL COST.

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.

-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.-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.

-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.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises. Please read the full disclosure regarding Patient Protections Against Surprise Billing here.