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The Practice of LaRose is currently (effective November 9, 2017) transitioning to all self pay clients. LaRose is accepting self pay clients, as the practice (which first opened in 2005 in Florida) is moving away from accepting insurance payments.  The system of insurance governed care continues to create prohibitive care and prohibitive re-imbursement variabilities, which is why the practice is now serving self pay patients!  If you are seeking services based on your coverage with an insurance company you are encouraged to contact alternative providers who continue to accept health insurance.


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   If you are using health insurance (other than EAP services) coverage is approved with diagnosis codes that indicate a mental illness.  Insurance companies must justify payments for counseling and/or psychiatric services; a mental illness, then, necessitates treatment.  Clinical Hypnosis is generally considered an “intensive specialty service”, thus the fee for hypnosis is generally not covered by insurance. Non-traditional online digital mental health services, regardless of diagnosis are seldom covered, and generally initial claims are either denied, delayed or become ‘ghost claims’ (unlocatable for some reason).  As such, the practice of LaRose is moving to a system of care that allows patients to utilize and seek online services (24 hour access to many online services), to engage in self directed care (ie: you control the scheduling since you self schedule) and the practice is now offering various services in two jurisdictions: both Florida and Washington DC!  As a self pay client, you no longer need to be concerned about what is covered, what is not covered and what may later become uncovered due to policy and company variability.  Here you control your care (outside of risk of safety and abuse scenarios), your scheduling, and your costs (scheduling when you need to be seen, not just because of an opening or just because it is possibly covered)!


 How long will counseling services last?


   Diagnosis can be helpful, particularly in the case of a more severe disorder; and there may be times when something is going on, but a diagnosis is not really what is needed for effective treatment.  Many diagnoses are mild, requiring little to no treatment, while others are more severe requiring frequent or intense treatment.  Insurance companies are most likely going to pay for a mental illness that is in the latter category, rather than the former (but this is not always the case).  In either regard, you should ask your provider, if you’re billing your health insurance, what diagnosis is being made, how the diagnosis is made, and what the long term and short term implications of a mental illness diagnosis might be (for example, will a diagnosis affect a career decision or a school decision, etc. etc.). 


Diagnosis Pros & Cons...


   Sometimes an insurance company will request records about your diagnosis and treatment in order to approve payment or to approve continued treatment.  Mental health professionals obtain written permission to send information to your insurance company. You will give the written permission when you sign in, and when you complete the intake forms; an example of an insurance consent form is located here.  Appointments can be scheduled 24 hours a day (availability can be verified now).


One way to keep a mental illness diagnosis from being sent to your insurance company, should that be one of your concerns, is to ask the mental health provider NOT to bill your insurance company.  Providers generally would rather avoid the insurance paperwork, and you can easily pay the provider directly. Plus, if you are going to use online services, where you can communicate online anytime you login to a client portal, nearly none of these services are covered.


What if NOTHING is wrong?


   Whether you will be using insurance, whether there is a diagnosis, or if you have general questions about the mental health process, some providers offer initial consultations, some may do so free of charge.  Initial consultations can help to alleviate a part of the stress that often accompanies the selection of a mental health provider.  American’s shop for automobiles, houses, and clothing—why not consider interviewing the therapist—before you enter into a therapeutic relationship?

   Mental health providers are licensed to assess, diagnose and treat mental illness; regulatory boards set licensure requirements (usually based upon national examination) and continuing education standards are usually ongoing (and mandatory). 

   LaRose is now licensed in both Florida and the District of Columbia.  License lookup verification can be found here by each jurisdiction:


Florida Licensure Verification  . District of Columbia Licensure Verification

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If you are seeing a mental health professional it is very likely that you have been given a diagnosis.  This is especially true if you are using your health insurance to pay for mental health services.  Certain EAP services DO NOT necessarily  require a mental illness diagnosis.  If you’ve not been told what your diagnosis is, you might want to ask.  Such information can be useful in furthering your understanding of the diagnosis and how the disorder

is most

commonly treated.

Text Box: What if I don’t 
have a Diagnosis?

DUE TO THE INCREASED COSTS FOR MANAGING THIRD PARTY PAYORS AND THE AMOUNT OF TIME REQUIRED TO EFFECITIVELY DO SO — THE PRACTICE HAS DECIDED TO NO LONGER ACCEPT THIRD PARTY PAYMENTS — AS WE ACCEPT NEW PATIENTS.  Further as the practice model moves to all non-traditional services (clinical hypnosis, video, chat, telephone, online journaling, online note sharing, and online secure messaging), most if not all of these services are non-covered by most third party payors (or initial denial of claims prevents ongoing care until the payor resolves some discrepancy. 



Text Box: 850-545-2886
Text Box: Kurt LaRose, LCSW, LICSW

Licensed Clinical Social Worker

Florida License  #SW9297

Licensed Independent Clinical Social Worker

District of Columbia License #LC50081569

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