Full payment is expected at the time of service before the session begins. If you have decided to use your insurance, you will be responsible for the co-payment at the time of service. If your insurance company does not pay fees within a reasonable period of 60 days, you will be expected to pay the full amount. Of course, if we receive payment from your insurance company after you have paid, you will be reimbursed the full amount. You may request a statement monthly regarding your sessions and charges, the amount paid and how much is still owed. Any problems with charges, billing, insurance or other financial issues should be discussed immediately so that they do not interfere with the work we do together. If your unpaid balance reaches $500 you will be notified by mail; if it continues to be unpaid, therapy will be discontinued. Fees that are unpaid will be turned over to small-claims court or a collection service.