In the past, clients who sought psychotherapy may have paid the cost directly out of pocket. Although emotional and behavioral health care became accessible to many people as insurance companies had been mandated to cover behavioral health services, still not everyone experiencing emotional, psychological, behavioral crisis and/or substance use disorder has an insurance policy.

Being uninsured can be a major roadblock to seeking treatment. However, insurance is not the only option when it comes to financing the cost of treatment. Apart from cash and check, using a credit card to finance treatment has several advantages. In fact, there are independently licensed, contracted counselors located in the Carolina Counseling Services – Fuquay-Varina, NC that are accepting credit cards in their therapy practices.

Here’s why.

• Offers Convenience – Many therapists are well-trained individuals with true understanding of how patients think and feel. It can difficult enough when you are experiencing distress and intrusive symptoms, adding a financial burden or additional paperwork necessary for processing payment for treatment may cause further distress. Compared to cash and checks, using a credit card can be more convenient, quicker and easier for you and your therapist.
• Provides Emergency Funding – For many clients, the primary motive for paying with a credit card is the lack of immediate funds. You may find that you do not have a lot of liquidity and find benefit in using a credit card to cover unexpected or important major expenses such as a therapy.
• Tracks Spending – Credit card payment provides you with the means to monitor your health care spending with the use of your own preferred software tools. This can allow you simpler and quicker access to your own copy of your payment record.
• Saves Time – Using a credit card as payment may bypass financial discussions with your therapist thus saving valuable time and effectively improving the payment and collection process.

There are licensed, independently contracted therapists located in the  Carolina Counseling Services – Fuquay-Varina, NC that are using some popular options for accepting credit cards in their professional practice. Let’s take a look at some of them.

• Professionalcharges.com – This credit card processing service is specifically designed for therapists. The website processes the charges on your behalf and transfers the payment directly to the therapist. You can log onto the site when making remote payments while your therapist links to the website to accept online payment.
• Square.com – Only an inch tall, this tiny device can be connected to different Apple and Android devices to allow therapists to swipe credit cards when no traditional terminal or computer is available. Many therapists are using this device due to its portability and affordability. The device can be connected to a printer to produce a receipt if you would like a copy.
• Merchant Processor (Point of Sale Terminals) – Some therapists prefer to have an actual credit card processing terminal because of its usefulness under certain circumstances. Although the various fee structures and percentages may seem complicated, this type of merchant service arrangement can also be effective in using credit cards in counseling practices.

When it comes to your emotional and psychological health, using a credit card for payment can offer immeasurable benefits. Don’t allow your finances to keep you from receiving the treatment you may need and deserve. Call Carolina Counseling Services – Fuquay-Varina, NC today to schedule your first session.

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