Conversations Change Everything …
Fees for Financial Therapy Sessions
50 minutes - $250
(No Up-charge for Couples Sessions)
Use Thrizer to easily access your Out of Network Insurance Benefits
I am not paneled on any insurances, however, I do partner with Thrizer.
This company will help you determine if you have “Out of Network” coverage for therapy sessions.
Many people do have this coverage and are unaware that they can use it for therapy services (and some plans have as much as 60-70% reimbursement rates after deductibles are met).
To get access to your Out of Network Benefits today, click here and set up your Thrizer account. They verify your benefits right away and you can use those for our sessions — no need to hassle with your insurance company as they do it for you!
Location of Service
Online sessions available for anyone within Texas or Florida.
In-person sessions are also available in the Houston area.
Frequency of Sessions
A lot of my clients want to know how often people tend to meet for Financial Therapy. While I cannot make any specific comments about how your own conversations will go, I can say that most people find the process moves rather quickly.
The early stage of therapy involves setting goals together with you (or your relationship if you are seeing me for Couples Therapy)
After setting goals, we work on a two-prong approach: 1. Making pragmatic changes that need tweaking (creating your budget based on your values & virtues, spending & saving behaviors, discretionary spending plans); 2. Addressing the emotional, psychological, spiritual, and developmental money issues within your life and relationships
We then track and monitor how your changes are going along the way, making sure that you are seeing progress and learning from any missteps.
Most of my clients move quickly through these stages and eventually either ‘complete’ their therapy or some like to stay on for quarterly accountability sessions. Either way works well!
Couples Therapy or Individual Therapy?
I often get calls from people with a question — Can I fix this problem in my relationship without my spouse coming with me? The short answer is — Yes … you can start to make changes within any aspect of your relationship without both of you being present.
The longer answer is that whenever someone comes to see me, if they are in a committed long-term relationship, I encourage them to bring their partner to sessions as well (unless there is an expressed reason for secrecy, such as abuse or suspected infidelities).
Why?
Because the financial habits, rituals, and traditions of your relationship are formed from meaningful patterns of interaction. Financial Therapy is not about condemning these habits outright — it is about examining the intention behind them and then preserving the intention in a healthier way. Overspending on family vacations, for example, has the virtue of quality time (albeit with the vice of putting a financial strain on the family when they go back home). The goal would be to find ways to accentuate that wonderful virtue of quality time that does not put a strain on the family later down the line.
This is much more easily done if the couple can unpack these issues together and sort through what they want their relationship to stand for, what this will mean for both of them, and how they want to change their trajectory together.
Of course, there are issues that at times that may need some more individual session support. Gambling Disorder (aka Gambling Addiction) is often an issue that benefits from individual conversations to unpack the triggers and issues that lead to that way of coping with stress.
But for the most part, Financial Therapy tends to work better when done as a team.
And it is beautiful to see the cascading impact of sorting out financial issues on the other parts of the relationship — my couples generally report that they are happier, enjoying time together more, and really feeling more connected since they are able to trust each other financially.
Good Faith Estimate
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 or call 713-291-9553.