Refund & Payment Policy
Graceful Self-Help Counseling
Last updated: September 6, 2026
This Refund & Payment Policy explains payment, cancellation, no-show, refund, and related financial policies for services provided through Graceful Self-Help Counseling.
Christina F. Reed, M.Ed., MPA, is a Marriage and Family Therapy Associate and provides psychotherapy under clinical supervision.
1. Self-Pay Practice
Graceful Self-Help Counseling currently operates as a self-pay practice and does not bill insurance directly.
Clients are responsible for payment of applicable fees at the time of service unless another arrangement has been approved in advance.
Current psychotherapy fees, reduced-fee options, and information about Graceful's Community Care Program are provided separately on the Graceful Self-Help Counseling Rates & Financial Assistance page.
2. Payment Methods
Accepted payment methods may include:
- Credit or debit card
- Eligible Health Savings Account (HSA) cards
- Eligible Flexible Spending Account (FSA) cards
- Other approved electronic payment methods
Eligibility for payment or reimbursement through an HSA, FSA, or other benefit program is determined by the client's plan or account administrator. Graceful Self-Help Counseling cannot guarantee that a particular card, account, or expense will be approved or reimbursed.
3. Card on File Requirement
Clients receiving self-pay psychotherapy services are required to maintain a valid credit or debit card on file through Graceful Self-Help Counseling's secure payment system.
By signing the applicable financial agreement, clients authorize Graceful Self-Help Counseling to charge the payment method on file for amounts due under that agreement, which may include:
Clients are responsible for keeping their payment information current.
4. Payment for Services
Payment is generally due at the time services are provided.
The payment method on file may be charged following the appointment for the applicable session fee and any other charges authorized under the client's financial agreement.
Clients should review their account and contact Graceful Self-Help Counseling promptly if they believe a payment has been processed incorrectly.
5. Extended Session Time
Psychotherapy appointments have a scheduled session length. A brief grace period may be allowed when additional time is needed to appropriately conclude a session.
If a session continues beyond the grace period, additional time may be billed in 15-minute increments at the applicable extended-session rate.
Extended time is not guaranteed and depends on clinical appropriateness and scheduling availability. Whenever reasonably possible, the therapist will inform the client before entering additional billable time.
Current extended-session rates are listed on the Graceful Self-Help Counseling Rates & Financial Assistance page.
6. Cancellation Policy
Clients are asked to provide at least 24 hours' notice when canceling or rescheduling an appointment.
Late Cancellation
Appointments canceled or rescheduled with less than 24 hours' notice may be charged 50% of the scheduled session fee.
Graceful Self-Help Counseling may waive a late-cancellation fee in cases of emergency or other significant unexpected circumstances. Waivers are considered individually and are not guaranteed.
7. No-Show Policy
An appointment may be considered a no-show when a client does not attend the scheduled appointment and does not provide appropriate notice.
The applicable no-show charge may be processed using the payment method maintained on file.
Graceful Self-Help Counseling may waive a no-show fee in an emergency or other exceptional circumstance when appropriate.
8. Late Arrival
Clients who arrive late may receive the remaining portion of their scheduled appointment. Because the appointment time has been reserved specifically for the client, the full scheduled session fee generally remains due.
Extending an appointment because of a late arrival is not guaranteed. If additional time is available and the client chooses to continue beyond the scheduled appointment and applicable grace period, extended-session charges may apply.
9. Refund Policy
Completed psychotherapy sessions, assessments, consultations, and other completed professional services are generally non-refundable.
Refunds or payment corrections may be considered in circumstances such as:
- Duplicate payments or charges
- Billing or payment-processing errors
- Incorrectly processed charges
- An approved cancellation that was mistakenly charged
- Other circumstances in which a payment correction is appropriate
Approved refunds will generally be returned through the original payment method when reasonably possible.
10. Out-of-Network Reimbursement & Superbills
Although Graceful Self-Help Counseling does not currently bill insurance directly, some clients with private health insurance may have out-of-network benefits.
When appropriate, clients may request documentation, commonly called a superbill, that they may submit to their insurance company for consideration of possible out-of-network reimbursement.
Graceful Self-Help Counseling does not guarantee insurance reimbursement. Eligibility, coverage, deductibles, reimbursement rates, required documentation, and reimbursement decisions are determined by the client's insurance plan.
Clients interested in seeking reimbursement are encouraged to contact their insurance company directly to ask about out-of-network mental health benefits and submission requirements.
11. Good Faith Estimate
Individuals who are uninsured or who choose not to use insurance may have the right under federal law to receive a Good Faith Estimate explaining the reasonably expected cost of scheduled health care services.
A Good Faith Estimate is an estimate rather than a guarantee of the total cost of treatment. The number and frequency of psychotherapy sessions may change based on clinical needs, treatment goals, and decisions made during the course of services.
12. Outstanding Balances
13. Sliding-Scale & Community Care Services
Graceful Self-Help Counseling maintains a limited number of reduced-fee and pro bono (no-cost) psychotherapy openings through its financial assistance and Community Care programs.
Reduced-fee and no-cost services are subject to eligibility requirements and availability. Participation in a financial assistance program does not change the clinical nature or professional standards of psychotherapy services.
Additional information regarding eligibility, available openings, and application procedures is provided on the Rates & Financial Assistance page.
14. Workshops, Classes & Wellness Coaching
Educational workshops, wellness classes, wellness coaching, and other non-clinical services may have separate fees, cancellation requirements, refund terms, registration requirements, and participation policies.
Wellness coaching is a self-pay/private-pay service. Wellness coaching fees are charged in U.S. dollars (USD) and are not billed to health insurance because wellness coaching is a non-clinical service and is not psychotherapy or medical treatment.
Wellness coaching clients are responsible for the full cost of the selected service. For clients located outside the United States, currency conversion, international transaction, or other fees charged separately by the client's bank, card issuer, or financial institution are the client's responsibility.
Before participating in a first wellness coaching session, clients must review and electronically sign the applicable Wellness Coaching Agreement and any required payment, consent, or participation documents provided through the secure client portal.
The Wellness Coaching Agreement explains the non-clinical nature and scope of coaching, applicable fees and payment responsibilities, scheduling and cancellation terms, privacy and technology considerations, limitations of coaching services, and other important terms of participation.
Clients located outside the United States may be required to review and sign additional terms or documentation applicable to cross-border wellness coaching before services begin. Applicable costs and policies will be provided before registration or scheduling.
15. Questions About Fees or Payments
Graceful Self-Help Counseling wants financial expectations to be clear before services begin. Clients are encouraged to ask questions about fees, payments, cancellation policies, financial assistance, Good Faith Estimates, wellness coaching fees, or other financial arrangements.
Contact Graceful Self-Help Counseling16. Contact Information
Christina F. Reed, M.Ed., MPA
Marriage and Family Therapy Associate
Telehealth Services
gracefulselfhelpcounseling@gmail.com
Please do not send confidential, sensitive, or emergency information through standard email.
This webpage provides general information about Graceful Self-Help Counseling's financial policies. Clients receiving psychotherapy services will review and sign the applicable financial agreement through the secure client portal before beginning services. Wellness coaching clients will review and sign the applicable Wellness Coaching Agreement and related financial or participation documents before beginning coaching services.
Crisis & Emergency Notice
Graceful Self-Help Counseling's website, wellness coaching services, and educational resources are not emergency or crisis-response services. If you are experiencing an immediate emergency or are in danger, contact the emergency services available in your location. In the United States, call 911. If you are in the United States and experiencing a mental health or suicide-related crisis, call or text 988 for the Suicide & Crisis Lifeline. Individuals outside the United States should use the appropriate emergency or crisis resources available where they are physically located.