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Insurance and Managed Care

Our Commitment is to You and Not a Third Party

We are often asked why we don’t have relationships with insurance or Managed Care Companies (MCO’s). Christians seeking professional counseling or psychological services may have benefits under their health plan that may cover a portion of professional counseling/psychological services. We completely understand the necessity for some to use their benefits; however we have chosen not to pursue contracts with MCO’s for a number of reasons. I will start with the philosophical reasons first.


Current diagnostic and treatment protocols do not include sin, redemption, or anything Christian. The major personality theorists and secular psychologies vary in their view on the nature of humankind. Secular and humanistic theories conflict with the nature of man according to the Bible. Therefore, a Christian therapist is going to view problems, their cure and causation, from a different perspective. We view outward problems as the manifestation of a “heart issue.” God’s approach to healing is from the “inside out, not from the “outside in.” We cannot heal the deeper issues of the heart using modern case management protocols for symptom reduction.
When the prophet Jeremiah spoke for God, he addressed superficial “cures”:

“They have healed the brokenness of My people superficially, Saying, ‘Peace, peace,’ But there is no peace.”

~ Jeremiah 6:14

Healing is a difficult process that requires truth, trust, authenticity, and grace within the context of the professional relationship.


There are some very practical reasons we have chosen to not contract with MCO’s. If a clinician has a contract with an MCO, a dual authority is in play one to the client/patient and another to the MCO. The clinician must report to the MCO regarding progress and details of counseling. Based on these criteria, a case manager (never having seen the client/patient), may determine that no further counseling will be covered under the client’s/patient’s plan. This can create a conflict when the counselor, and counselee, desire to continue the counseling process.

If a counselor is a provider for your MCO, they have a fiduciary responsibility (power entrusted for the benefit of another) to the MCO. There is an ethical, moral, and legal obligation to the client. Since the MCO (or insurance company) is paying the clinician, they will influence treatment and outcomes.

Our responsibility is to you.

We know this decision may place a financial burden on some who need counseling and that is why we have a benevolence process in place. We will provide you with all the necessary documentation should you decide to file your insurance, however many do not want these claims on their records. Your MCO can place diagnostic information on the National Medical Data Base that others may be able to access.
I hope this answers your questions. If not, feel free to ask your counselor. Our commitment is to you and not a third party, and this decision ensures your privacy.

Contact HeartLife Soul Care

“The Lord hears his people when they call to him for help. He rescues them from all their troubles. The Lord is close to the brokenhearted; he rescues those whose spirits are crushed. The righteous person faces many troubles, but the Lord comes to the rescue each time.”

~ Psalm 34:17-19

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