Fees, Insurance, & Payment Information

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Below you will find a detailed breakdown of our service fees, accepted insurance plans, and payment policies.

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Standard Service Rates

These rates apply to self-pay clients and those using out-of-network benefits.

  • Individual Adult Psychotherapy (45–50 min): $150 per session

  • My Specialized Focus: I specialize exclusively in providing high-quality, individual outpatient psychotherapy for adults (ages 18 and older). I do not provide couples, family, or child/adolescent counseling.

  • Pay-As-You-Go: Payment is due in full at the time of service. To maintain clinical flexibility and ensure billing matches the exact care you receive, I operate strictly on a pay-as-you-go basis. I do not offer prepaid packages or discounted bundles.

Insurance Coverage

Revelation Counseling Center is in-network with several major providers. If you choose to use insurance, I will handle the claims submission process for you.

Accepted Plans:

  • Aetna: SC & NC

  • Blue Cross Blue Shield (BCBS): SC & NC

  • Cigna / Evernorth: SC, NC, MN, & ID (Includes EAP)

  • United Healthcare / Optum / UMR: SC, NC, MN, & ID (Includes EAP)

  • Tricare East: All applicable regions

Important Policies for EAP (Employee Assistance Program) Clients:

  • Single-Cycle Limit: EAP benefits are designed strictly for short-term, solution-focused support. In my practice, EAP is limited to a single cycle. If your clinical goals require ongoing, deeper treatment, we will discuss transitioning you to formal outpatient care using your standard health insurance at the conclusion of your EAP sessions.

  • Attendance & "One-Strike" Policy: Because EAP sessions are highly limited and in high demand, consistent attendance is required. EAP clients are permitted only one missed or late-cancelled appointment (less than 24 hours' notice) per authorization cycle. A second missed or late-cancelled session will result in the immediate termination of your EAP services with my practice, and your case will be closed.

Verify Your Benefits:

Insurance plans vary widely. I highly recommend calling the number on the back of your insurance card before your first session to ask:

  1. Do I have outpatient mental health benefits?

  2. Is Revelation Counseling Center and/or Amanda Cadwell considered in-network for my specific plan?

  3. Do I have a deductible to meet before coverage kicks in?

  4. What is my co-pay or co-insurance amount per session?

Out-of-Network Benefits

If I am not in-network with your insurance, you may still be able to use your benefits. You would pay the full session fee at the time of service, and I will provide you with a Superbill (a medical receipt) at the end of the month to submit to your insurance for potential reimbursement.

Questions to ask your insurance carrier regarding Out-of-Network coverage:

  • "Do I have out-of-network benefits for mental health?"

  • "What is the reimbursement rate for CPT codes 90791 (Intake Assessment) and 90834 (45-50 min session)?"

Payment Methods

A valid credit or debit card is required on file to reserve your appointment time.

I accept the following forms of payment:

  • Credit / Debit Cards (Visa, MC, Amex, Discover)

  • HSA / FSA Cards (Health Savings & Flexible Spending Accounts)

All payments are processed securely via my HIPAA-compliant portal, SimplePractice. To protect my practice and ensure billing integrity, initiating a credit card chargeback with your bank for policy-compliant fees is a breach of contract and will result in the immediate termination of services.

Scheduling & Appointment Tiers

Consistency is vital to therapeutic progress. To respect scheduling boundaries, I operate under a structured, tiered scheduling model

  • Standard Daytime Hours (Monday – Thursday, 8:00 AM – 5:00 PM):

    • Booking: Direct online booking is available via my secure client portal. All new clients begin their care during these standard daytime hours to complete their initial assessment and establish therapeutic momentum.

  • Premium Evening Hours (Tuesdays & Thursdays, 5:00 PM – 8:00 PM | By Request Only):

    • Booking: These highly coveted slots are not available for public online booking.

    • Standing Slots Only: Evening appointments are reserved strictly as standing, recurring appointments (weekly or bi-weekly) for established clients in good standing. Once you have demonstrated consistent attendance and active clinical engagement during daytime hours, you may request to transition to a permanent, standing evening slot as they become available.

Cancellation & No-Show Policy

Your appointment time is reserved exclusively for you. In order to provide the best care to all clients, I adhere to the following policy:

  • 24-Hour Notice Required: You must provide at least 24 hours' notice to cancel or reschedule an appointment.

  • The Fee: A flat fee of $100 will be charged to your card on file for any no-show or session cancelled/rescheduled with less than 24 hours' notice. This fee is strictly enforced with no exceptions (including sudden illness, work conflicts, or personal emergencies) to ensure scheduling predictability and fairness to all clients. Insurance companies do not reimburse for missed sessions; this fee is your sole financial responsibility.

  • 10-Minute Grace Period: There is a strict 10-minute grace period for late arrivals. If you have not logged into my secure telehealth waiting room within the first 10 minutes of your scheduled start time, the session will be marked as a no-show, the waiting room will close, and the standard $100 fee will apply.

  • Telehealth Supportive Alternative: If you are experiencing a chaotic day or mild illness and cannot complete a full session, you may utilize your reserved slot for a brief, supportive 16-minute clinical check-in instead of cancelling, provided you log in within your 10-minute grace period. This will be billed to your insurance or self-pay rate as a completed session, allowing you to maintain clinical momentum and avoid the $100 late-cancellation fee.

Good Faith Estimate
(No Surprises Act)

For Self-Pay Clients

Under the No Surprises Act, you have the right to receive a Good Faith Estimate for your medical services.

  • You will receive a Good Faith Estimate before you schedule or receive care.

  • The estimate will outline expected charges for services, helping you understand and plan for costs.

  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you may dispute the bill.

For questions or to request a Good Faith Estimate, please contact me at (803) 859-4496

Questions About Your Account?

Established clients can securely message me anytime regarding billing, invoices, or statements directly through the Client Portal or the Spruce app.