Question 1

Do I need insurance to be a patient here?

Accepted Answer

No. Luminary Counseling accepts cash-pay, HSA, and FSA. You can still submit bills to your insurance for out-of-network reimbursement if you want.

Question 2

Is the price I'm quoted the price I'll pay?

Accepted Answer

Yes. Every procedure listed has a flat, all-in price. No facility fees, no anesthesia upcharges, no surprise bills later.

Question 3

What happens if complications require a hospital?

Accepted Answer

The clinic helps coordinate any hospital transfer. Hospital care would be billed by the hospital under whatever insurance you carry.

Question 4

Do you take Medicare or Medicaid?

Accepted Answer

Most cash-pay clinics opt out of Medicare and Medicaid. Call the front desk to confirm for your specific insurance situation.

Question 5

What's the refund policy?

Accepted Answer

Policies vary. Call the clinic directly. Most cash-pay practices will honor a good-faith refund if you're unhappy with the visit.

Luminary Counseling

No most-booked. Flat cash.