In-Person and Online Therapy FAQ’s

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Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such
as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the
entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s

“Out-of-network” describes providers and facilities that haven’t signed a contract with your health
plan. Out-of-network providers may be permitted to bill you for the difference between what your
plan agreed to pay and the full amount charged for a service. This is called “balance billing.”
This amount is likely more than in-network costs for the same service and might not count toward
your annual out-of-pocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is
involved in your care—like when you have an emergency or when you schedule a visit at an in-
network facility but are unexpectedly treated by an out-of-network provider.

You are protected from balance billing for:

Emergency services

If you have an emergency medical condition and get emergency services from an out-of- network
provider or facility, the most the provider or facility may bill you is your plan’s in- network
cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these
emergency services. This includes services you may get after you’re in stable condition, unless you
give written consent and give up your protections not to be balanced billed for these
post-stabilization services.

Certain services at an in-network hospital or ambulatory surgical centers

When you get services from an in-network hospital or ambulatory surgical center, certain providers
there may be out-of-network. In these cases, the most those providers may bill you is your plan’s
in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology,
radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These
providers can’t balance bill you and may not ask you to give up your protections
not to be balance billed.

If you get other services at these in-network facilities, out-of-network providers can’t balance
bill you, unless you give written consent and give up your protections.

You’re never required to give up your protections from balance billing. You also aren’t required to
get care out-of-network. You can choose a provider or facility in your plan’s network.

When balance billing isn’t allowed, you also have the following protections:

• You are only responsible for paying your share of the cost (like the copayments,
coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your
health plan will pay out-of-network providers and facilities directly.

Your health plan generally must:

If you think you’ve been wrongly billed, contact the Department of Health and Human Services. The federal phone number for information and complaints is: 1-800-985-3059.

Visit for more information about your rights under federal law.


I’ve never talked to a therapist. I’m used to handling things on my own. Aren’t people who go to online therapy in Detroit, MI weak?

Not at all. People who ask for help know when they need it and have the courage to reach out. Everyone needs help now and then. Therefore,  our online therapists in Detroit, MI will help you explore and identify your strengths while also showing you how to implement them to reduce the influence of the problems you are facing.

What’s the difference between talking to an online therapist vs. my best friend or family?

The difference is between someone who can do something and someone who has the training and experience to do that same thing professionally. Therefore, a therapist in Detroit, MI can help you approach your situation in a new way. We can teach you new skills, gain different perspectives, listen to you without judgment or expectations. Additionally we help you listen to yourself.

Furthermore, therapy is completely confidential. You won’t have to worry about others “knowing my business.” Lastly, if your situation provokes a great deal of negative emotion, and you’ve been confiding in a friend or family member, there is the risk that once you are feeling better you could start avoiding that person so you aren’t reminded of this difficult time in your life.

Why shouldn’t I just take medication?

Medication can be effective, but it alone cannot solve all issues. However, medication is needed in conjunction with in-person or online therapy in Michigan. Therefore, our work together is designed to explore and unpack the problems you are experiencing and ultimately expand on your strengths that can help you accomplish your personal goals.

How does online therapy in Detroit, MI work? What is my role?

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Each person has different issues and goals for individual, couples, and family therapy. Moreover, therapy will be

different depending on the individual. Our online therapists tailor their therapeutic approach to your specific needs. Your role is to show up as your are. We will work together to set goals and discuss where you want to go on your terms. 

How long will in-person or online therapy in Michigan take?

Unfortunately, this is not possible to say in a general FAQs page. Everyone’s circumstances are unique to them and the length of time in-person or online therapy can take to allow you to accomplish your goals depends on your desire for personal development. Furthermore it also depends on your commitment and the factors that are driving you to seek counseling in the first place.

I want to get the most out of online therapy. What can I do to help?

We are so glad you are dedicated to getting the most out of your sessions. Your active participation and dedication will be crucial to your success. Make you sure you show up as your authentic self. Be willing to do the work in therapy and outside of the therapy room. If something is not working, let us know.

Most importantly, be patient. Healing from past behaviors or sudden life transitions takes time. Our therapists are here to serve you whether in our office or through online therapy in MIchigan. If you’re ready to get help out therapists are here for you!

Accepted Insurances

Accepted EAPs

Length of Service

Depending on the nature of the presenting problem(s), sessions are normally held once a week for 55 minutes. Your initial appointment includes a comprehensive assessment and will be 60 minutes in length.

Acceptable methods of payment are debit card and credit card. An invoice for services can be provided for you to submit to your insurance company for reimbursement. 

Insurance Policy for In-Person and Online Therapy in Detroit, MI

Insurance may cover services in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by asking the following questions:

Reduced Fees

We do offer sliding scale services, but know that our reduced fee services are available on a limited basis. Please ask if these are available.


We do accept all major credit cards. If you have additional questions about this, please reach out for more information.

Cancellation Policy for In-Person and Online Therapy in Detroit, MI

It is important to us that we are respecting your time and ours. Therefore, it is our policy that we are notified of cancellations within less than 48 hours. No shows and cancellations received within less than 48 hours WILL result in fees equivalent to the full session. Thank you for your understanding.

Inclement Weather

Inclement weather is defined as weather that presents hazardous driving conditions. In the event of inclement weather, our office makes an early determination as to whether we will be closed or remain open.

Administrative Office Hours of Operation

Clinical Hours of Operation are 9am-8pm Monday-Sunday.  If you have questions or concerns about this please reach out. Additional times available upon request. Please contact us for further information or additional meeting times.

In Case of Emergency

It is important to us that you remain safe and have the resources you need in times of emergency. If you are experiencing a severe emergency, please reach out to these hotlines.

  1. National Suicide Hotline: 1.800.273.8255
  2. National Domestic Violence Hotline: 1.800.799.7233

Ready to Begin Online Therapy in Michigan!

Woman in office on laptop at desk blue wall in background. Get your counseling FAQ's answered here. Our therapists offer insurance rates and private pay. Call now and begin online therapy in detroit, mi with our skilled black therapists.

We strive to make sure that our services straightforward and accessible to people of color. If you’re ready to get the support you need to live life on your terms, we are here to be your support. Our Detroit, MI counseling practice has black therapists who specialize in working with men and women of color. We know that in the black community asking for help and accepting mental health support is sometimes challenging. Know that your feelings and experiences are valid. To get started with one of our many therapy services, follow these simple steps: 

  1. Contact Introspective Counseling  
  2. Meet with one of our skilled black therapists!
  3. Begin finding peace, acceptance, and healing on your terms.

Additional Services Offered at Introspective Counseling

Regardless of what you’re dealing with, getting support matters. Our therapy practice is a place for anyone at any stage of life to get help. We work with women to address these issues as well as provide screening and assessment for other mood and mental health issues including postpartum depression, anxiety and perfectionism, depression, bipolar disorder and PTSD and traumamarriage counseling and couples therapytherapy for momslife transitionsgrief counselingtherapy for high achievers, LGBTQIA+ counseling, EMDR Therapy, and services for entrepreneurs and professionals. Additionally, we do offer services to black men, if you would prefer a black female counselor. If you believe that our approaches and values align with what you’re seeking in a therapist, we would be honored to work with you in person or online today!