(989) 835-8344

Mon - Fri 9:00 AM - 5:00 PM

Financial Information

Invest in your health, in your happiness, and in your marriage and family.

Below are a list of items and frequently asked questions you should know about before arriving for your first appointment.

The standard counseling fee is $106 per fifty-minute session or $98 if payment by cash or check is received at the time of the appointment. The initial diagnostic interview is $135, which includes 50 minutes with the client and additional time for evaluation and planning of treatment.

  • Out-of-pocket payment for an individual session is due at the end of each session. Cash, check, money order or credit card is accepted.


  • We bill for over 35 insurance companies and several EAP programs. With many insurances, your out-of-pocket fee, including the coverage of your deductible, will be the only payment expected from you at the conclusion of each session.

  • Covenant Counseling commits to providing quality counseling at an affordable cost. For those whose personal resources are limited, your out-of-pocket fee can be adjusted to reflect your ability to pay. If you wish to be considered for this adjustment, speak with your counselor so that an adjustment rate can be determined.


  • It is best if this entire process can be completed prior to or at your initial session. Demonstration of financial need is based on yearly income and total family size, via a federal income tax form, line “adjusted gross income.”


  • Adjustments

Family Size   •••••••••   Income Less Than

  • 1     •••••••••••••••••••••••••••    $38,000
  • 2    •••••••••••••••••••••••••••    $42,000
  • 3    •••••••••••••••••••••••••••    $46,000
  • 4    •••••••••••••••••••••••••••    $50,000
  • 5    •••••••••••••••••••••••••••    $54,000
  • 6    •••••••••••••••••••••••••••    $58,000
  • 7    •••••••••••••••••••••••••••    $62,000
  • 8    •••••••••••••••••••••••••••    $66,000
  • 9    •••••••••••••••••••••••••••    $70,000

We participate in the Military One Source program to provide counsel for military members.

If you anticipate difficulty in meeting your out-of-pocket cost, discuss your circumstances immediately with your counselor.

We bill for over 35 insurance companies and several EAP programs. If you have questions regarding your insurance or employment assistance coverage, please contact your insurance company or employer to review your policy or options to cover counseling costs.

If you cancel within 24 hours of your appointment or on a Saturday or Sunday for a Monday appointment, you are responsible for the session fee. If the appointment was missed due to sickness, a family hardship or something legitimate outside your control, you will be responsible for $50 of the regular $98 charge. You can notify your counselor by simply calling the office and leaving a message.

Gayla Harmon, the office manager, is happy to answer your financial or insurance questions.

Covenant Counseling offers the confidence

of professional skill, warm caring concern, and the satisfaction of personal privacy.

If you have any financial or insurance questions…

Contact Us