Insurance and Billing

Thank you for choosing Light Counseling for your mental health needs. We appreciate the opportunity to serve you by providing professional and evidence-based counseling with a distinctively Christian approach. We want all of our clients to have an exceptional experience by ensuring that our intake, billing, client relations processes are confidential, caring, and seamless so you (the client) may focus your entire attention towards your therapy.

To help achieve this goal, we want to ensure that we address your general questions about billing, insurance benefits, and payments for services. 

Accepted Insurances

Billing Questions

Explanation of Benefits

Payment Options

Accepted Insurances & Finance Options

We are pleased to offer a wide range of options to cover the cost of your services. Please know that while we list many of these payment options, there are some instances where only a certain provider can accept a particular insurance or payment option.

Private Insurance

Below is a list of our most common insurance payers. Please reach out to our front desk team for more information:


  • Anthem and their affiliates (i.e. BCBS)
  • Anthem EAP*
  • Aetna
  • Aetna EAP*
  • Evernorth Behavioral Health (Cigna)
  • Magellan of Virginia
  • Magellan EAP*
  • Molina Healthcare
  • Optima
  • Piedmont Community Health Plan
  • Humana (Tricare East Region)
  • Optum Behavioral Health
  • Optum EAP*
  • United Healthcare
  • UMR

* EAP – Employee Assistance Program



Below is a list of our most common Medicaid payers. Please reach out to our front desk team for more information:


  • Anthem HealthKeepers Plus
  • Aetna Better Health of Virginia
  • Magellan Behavioral Health
  • Molina Complete Care
  • Optima Health Community Care
  • Piedmont Community Health Plan
  • United Healthcare
  • Virginia Premier


For clients who don’t have insurance or have health insurance we don’t accept, we do offer the option for the clients to pay for services out-of-pocket. 

Sliding Scale

Coming 2022!


In Progress. Anticipated mid-2022!

Explanation of Benefits

Your insurance company should send you a document explaining what they paid on charges submitted by your clinician. This form is referred to as the Explanation of Benefits, or “EOB” for short. Your Explanation of Benefits will tell you if your charges were applied to your deductible or denied for some reason. They will also tell you how much was paid, how much was adjusted off due to the contractual agreement between your insurer and your provider, and how much is left for you to pay.

Most EOB’s show a breakdown of the charges under several headings which usually read from left to right. The most common headings are:

  • Date of Service – the date of the appointment or procedure.

  • Services – codes used by the provider to tell the insurance company what services were rendered to the client.

  • Amount Billed – the amount of charges submitted by the provider.

  • Approved Amount – the amount the insurance company approved for payment. Insurance companies often have pre-determined dollar amounts that they consider “usual and customary” for each medical service code. This pre-determined amount is often different than what your provider charges for that service. Depending on the contract or agreement between your insurance company and provider, or lack thereof, the difference between the Approved Amount and the billed amount may be adjusted (reduced to $0) or transferred to Patient Responsibility (see below).

  • Amount Paid – the amount the insurance company paid to the provider for the services rendered.

  • Applied to Deductible – the amount of charges that the insurance company has applied to the deductible. Most insurance plans require the patient to pay for a certain portion of their medical charges each plan year before the insurance coverage begins to pay. This is called the plan deductible and it comprises a portion of the total Patient Responsibility (see below).

  • Applied to Co-insurance – the amount of charges that the insurance company has applied to the co-insurance element of the plan. Some insurance plans require the patient to pay a percentage of the charges for each medical service. This is called co-insurance and it comprises a portion of the total Patient Responsibility (see below).

  • Patient Responsibility – the amount you owe. This is made up of the deductible, co-insurance, and any charges not covered by the insurance plan.

  • Denial Codes – Sometimes the insurance company will deny (refuse to pay) a charge for some reason. In this case, the EOB will contain alpha or numeric codes next to each procedure which indicates the reason for the denial. The explanation of these codes will often be found at the bottom of the page or on the reverse of the EOB. Some denial codes require the patient to contact the insurance carrier in order to resolve questions or other issues that are preventing payment from being made.

Client Tip:

We recommend that you compare your insurance EOB’s to the the receipt and/or bill you received from Light Counseling. It is always a good idea to check if the payment was posted correctly and the amount owe or already paid matches the amount indicated on the EOB. Light Counseling makes this comparison easier by including detailed charge and payment information on all your billing statements. Any questions about your bill can be directed to our Client Account Representatives.

Billing Questions

If you have any questions regarding your bill, please reach out to our front desk to speak with a member of our billing team.

Payment Options

Once we have been notified by insurance regarding your anticipated responsibility for services, we will collect that amount at the beginning of each of your appointments. If you have accumulated a balance for services, we will issue a billing statement for payment. If you receive a billing statement, you may pay it by any of the below payment options.

Please know that balances that are older than 60 days may be reported as a bad debt and sent to collections. 


If you receive a billing statement, you may submit your payment in full along with a copy of the billing statement to 20564 Timberlake Rd., STE B, Lynchburg, VA 24502.


We accept payments over the telephone via credit card free of charge. Please contact us at (434) 384-1594 to speak with a member of our team!

Client Portal

We accept credit card and electronic payments through our online Client Portal free of charge. In order to use this option, you must have created a Client Portal account with your front desk staff.

If you haven’t set up you client portal account, please contact your front desk team.

Pay In-Person

If you would prefer to pay your bill in-person, you may do so by talking with a member of our front desk team at our Timberlake Rd. office.