Blog Articles
Meet Karen McKinney, LCSW, LCADC-S
Karen McKinney, LCSW Therapist in Reno, NV
Licensed Clinical Social Worker and Licensed Clinical Drug & Alcohol Counselor/Supervisor in Reno, NV
Karen McKinney is a dedicated therapist in Reno, NV specializing in helping clients navigate anxiety, depression, and other mental health challenges. With over eight years of experience, Karen has supported individuals in understanding their emotions, building resilience, and creating lasting change.
Her areas of focus include:
- Anxiety
- Depression
- PTSD
- Addiction
- Other mental health challenges
Karen believes all behavior is a normal response to life’s challenges, and her empathetic approach helps clients feel seen and supported as they work toward healing.
Karen’s Approach to Therapy
Karen combines evidence-based therapies with a compassionate, strengths-focused approach to help her clients achieve meaningful growth. Her specialized training includes:
Emotionally Focused Individual Therapy (EFIT)
- Grounded in Attachment Theory, EFIT helps clients identify behavior patterns and regulate emotions.
- Supports long-lasting emotional well-being.
- Learn more about individual therapy with Karen here.
Eye Movement Desensitization and Reprocessing (EMDR)
- An effective therapy for addressing trauma, phobias, anxiety, depression, and PTSD.
- EMDR accelerates healing and transformation, supported by thousands of research studies.
Motivational Interviewing
- A strengths-based method that helps clients discover their internal motivation for change.
- Encourages self-awareness and confidence in achieving personal goals.
Karen’s therapeutic style is person-centered, creating a safe and empowering space for clients to explore their challenges and embrace their potential.
Why Karen Became a Therapist
Karen returned to school later in life to pursue her passion for helping others heal emotionally. She finds it deeply rewarding to witness clients:
- Gain clarity around their emotional patterns
- Build self-esteem and confidence
- Develop healthy coping strategies
- Create fulfilling, joyful lives
Karen understands the challenges of change but knows the rewards are well worth the effort. She is committed to supporting her clients every step of the way.
A Little More About Karen
Karen lives in Reno, Nevada, with her husband and two dogs. Recently, they purchased an RV and have been enjoying the stunning landscapes Nevada offers.
As a proud mother of three and grandmother of six, Karen values the roles she plays in her family. Her lived experience with addiction and mental health challenges allows her to connect with her clients on a personal level, offering empathy and understanding to their struggles.
Getting Started
Karen’s standard session fee is $150, and she currently accepts Hometown Health Insurance. She offers therapy sessions on Mondays.
If you are struggling with anxiety, depression, or other mental health challenges, Karen would be honored to help you on your path toward healing and growth. ReaContactch out today to schedule an appointment.
What Happens in Couples Therapy? Here’s What to Expect
What to Expect in Couples Therapy: A Path to Clarity and Healing
If you and your partner are considering couples therapy in Reno, you might have some questions about what it’s like, what to expect, and how it can help. At its core, couples therapy is about strengthening your relationship and helping you both feel more connected. In this article, I provide a brief overview of the process, focusing on Emotionally Focused Therapy (EFT)—a highly researched, non-judgmental and effective approach to strengthening and healing relationship.
Expect Respect and Honoring of Your Values
Very importantly, you will be met with respect for your personal and shared views and values. Our therapists have expertise in helping couples experience reaching to one another in a heartfelt, connected way. But we are humble, because you are the expert in your unique relationship and what you want for it. In this sense, we’re like highly-trained consultants helping you move toward your goals. Our therapists will guide, advise and direct- but they will never tell you what to do.
You should never feel judged or “ganged up on.” My colleagues and I continually monitor our working alliance with you. It’s critical for us to know and make a correction when one of our clients doesn’t feel like we’re getting them.
What Is Emotionally Focused Therapy for Couples?
EFT is a type of couples therapy grounded in the science of attachment, which describes how we bond with one another. Attachment science also describes what can happen when bonds rupture. It’s based on the idea that emotional connection is key to feeling accepted and cared for, and this in turn leads to lasting, fulfilling relationship. During EFT sessions, we’ll work together to identify and change patterns that keep you and your partner feeling disconnected. This isn’t about blame; instead, it’s about understanding each other’s needs and learning how to respond with care and compassion.
Expect EFT to focus on:
- Helping each partner feel safe and supported.
- Encouraging open, honest emotional communication.
- Building a secure foundation for lasting change.
With EFT, you’ll learn to shift from reacting in frustration or silence to reaching out in a way that helps your partner feel seen and valued. The goal is that partners begin to experience their importance to one another. Further, that this importance is what drives heightened reactions to feeling disconnected.
What Happens in a Couples Therapy Session? A High Level View
In your first session, we’ll discuss what brought you both to therapy and what you hope to achieve. Don’t worry—there’s no “right” way to start. I’ll guide the process, and together, we’ll create a comfortable, respectful space for each of you to share your perspective. You’ll leave this session with a high-level map for our upcoming work together.
Here’s a typical structure for couples therapy sessions:
- Identify Relationship Patterns: We’ll uncover the cycles that lead to conflict or distance. Understanding these patterns helps you both feel less stuck.
- Practice New Ways of Communicating: You’ll have the chance to learn and practice new communication skills, often in the form of guided conversations.
- Develop a Deeper Connection: Through honest, vulnerable conversations, you’ll work towards feeling more secure and connected.
Emotionally Focused Couple Therapy (EFCT) is a structured and collaborative process designed to help you and your partner repair and strengthen your emotional connection. It’s grounded in the understanding that most relationship struggles stem from feelings of disconnection, hurt, or fear that often go unspoken or misunderstood.
Zooming in on the Couple Therapy Process
- Understanding Your Relationship Patterns
In the early sessions, we’ll work together to uncover the recurring patterns of interaction that may be keeping you stuck. Often, couples find themselves in cycles of conflict, withdrawal, or miscommunication that lead to frustration and distance. We’ll identify these cycles and help you see them as the shared challenge to overcome—rather than blaming one another. - Exploring the Emotions Beneath the Conflict
EFT focuses on the emotional experiences that drive your interactions. You’ll both have the chance to safely explore and express deeper feelings—such as fear of rejection, loneliness, or longing for closeness—that may be hidden behind anger or frustration. This can be a powerful step toward understanding and validating each other in a new way. - Rebuilding Trust and Security
As the therapy progresses, you’ll practice turning toward one another with greater vulnerability and openness. With support, you’ll learn how to respond to each other’s needs for comfort, reassurance, and connection, creating a sense of safety in the relationship. - Creating New Patterns of Connection
The ultimate goal of EFT is to help you and your partner build new, healthier patterns of communication that foster closeness and resolve conflicts in a way that brings you closer together. These skills will help you navigate future challenges as a team, with a stronger foundation of trust and emotional intimacy.
For more on these sessions flow, explore our page about couples therapy here.
How Long Does it Take to See Results?
Everyone’s starting point and experience are unique, but most couples notice positive changes within the first few sessions. With EFT, it’s been my experience that significant shifts have occurred after about 8–12 sessions, depending on the issues at hand. Along the way, partners build trust in each other and confidence in your ability to work through challenges together. A full course of therapy with my colleagues and I is usually in the neighborhood of 18-24 sessions, spread out over time. That said, most of the couples I work with continue periodic meetings in order to have a place to work through impasses, and very importantly, to reinforce successes.
Ready to Take the Next Step in Your Relationship?
Couples therapy can be a powerful way to rebuild and strengthen your connection. If you’re ready to explore how EFT can help, reach out to schedule a session. Visit www.csheehanjr.com to get started. Taking this step shows courage and a commitment to your relationship. Let’s work together to create the relationship you both want and deserve. You can schedule a free couples therapy consultation by calling 775-235-2205.
Starting Therapy With Us: What to Expect?
Getting Started with Therapy in Reno: What You Need to Know
Are you thinking about getting started with therapy in Reno but feeling unsure about what to expect? In this video, Cornelius Sheehan, Director of Individual & Relationship Counseling Associates, offers a straightforward introduction to the process. We want to help you feel more comfortable as you consider taking the first step toward therapy.
What’s Covered in the Video:
- How to Begin Therapy in Reno
- A simple guide to getting started, including how to schedule your first appointment and what happens after you reach out.
- Cornelius shares insights into how we match clients with therapists who fit their unique needs.
- Your First Session
- What you can expect during that first meeting, including how we focus on creating a supportive and nonjudgmental space.
- A brief look at how we work together to explore your goals and concerns.
- Who We Help
- Whether you’re struggling with anxiety, depression, or stress, or facing challenges in your relationship, therapy can help.
- Cornelius explains how our practice supports individuals and couples using approaches like Emotionally Focused Therapy (EFT).
- Why Therapy Matters
- A candid reflection on how taking that first step, even if it feels daunting, can lead to meaningful growth and healing.
- Therapy isn’t about having all the answers upfront—it’s about exploring what matters most to you, at your own pace.
Why Individual & Relationship Counseling Associates?
We know starting therapy can feel like a big step, and we aim to make the process as welcoming and approachable as possible. Cornelius and the team at Individual & Relationship Counseling Associates believe in meeting you where you are, offering evidence-based methods in a compassionate, judgment-free space.
How to Get Started
If you’re ready to take the first step, here’s how to begin:
- Visit our website to learn more about our services and therapists.
- Contact us by phone or through our online form to set up your first session.
- Let us support you on this journey toward healing and connection.
Watch the Video
In this video, Cornelius Sheehan answers the question, “How do I get started with therapy in Reno?” You’ll find clear, straightforward information to help you decide if our practice is the right fit for you.
If you’re exploring therapy and have questions about how it works, this video can help you get a better sense of the process. At Individual & Relationship Counseling Associates, we’re here to support you every step of the way—whether you’re seeking individual care, help for your relationship, or simply a place to talk.
If you’re ready to reach out, we’d love to hear from you. Give us a call at 775-235-2205 or send an appointment request. We’ll answer any questions you have and get you pointed in the right direction.
Will Our Relationship Counselor Tell Us What to Do?
Will Our Therapist Tell Us What to Do?
At Individual & Relationship Counseling Associates, we understand that considering starting therapy can leaves people wondering things like, “Will our therapist tell us what to do?” Our experience is that this is one of the reasons people don’t start therapy. They worry that therapy will be about the therapist’s agenda or the therapist making a judgement call. The short answer to this question at our practice is NO, our therapists won’t tell you what to do. Instead, we believe in a collaborative approach to therapy that respects your role as the expert on your own life.
Our team of therapists combines professional training with a deep understanding of emotional and relational dynamics. Rather than providing directives or instructions, we focus on helping you explore your emotions, thoughts, and relational patterns. This process allows us to uncover areas that might not be immediately apparent to you and to provide insights and perspectives that can support meaningful change.
The Importance of Therapy as a Collaborative Process
Every individual and relationship is unique. What works for one couple or individual might not work for another. That’s why our approach emphasizes collaboration—we work together with you to clarify your goals, understand your challenges, and identify the best path forward.
This means that instead of prescribing solutions, we’ll help you gain the clarity and tools to take actions and make decisions that align with your values and needs.
For example:
- We’ll work with you to uncover interaction patterns that might be keeping you stuck, such as cycles of conflict or emotional withdrawal.
- We’ll help you explore underlying emotional needs and fears, often shaped by past attachment experiences, and how they play out in your relationships.
Our Role as Your Therapists
Think of us as guides and facilitators. We provide the structure and tools to help you connect with your emotions and each other more effectively, but we won’t take over as decision-makers in your life. Our job is to present options, insights, and new ways of understanding, while you decide how to move forward.
For instance, our therapists might:
- Map out emotional patterns in your relationship to help you better understand triggers and responses.
- Guide conversations to create a safe space for expressing deeper emotions and needs.
- Introduce attachment principles to strengthen your bond and provide frameworks for connection and repair.
Why This Works Better Than Being Told What to Do
Lasting change comes from experience, not external instructions. When you’re actively involved in the process—discovering your own insights and solutions—you’re more likely to make changes that are authentic and sustainable. We create this kind of experiential therapeutic process.
We recognize that life is complex, and only you can fully understand the nuances of your situation. By focusing on your unique strengths and insights, we help you build the confidence to address challenges in a way that fits your life, goals, values and worldview.
A Safe and Supportive Space
At Individual & Relationship Counseling Associates, our goal is to provide a safe and supportive environment where you feel empowered to make the best choices for yourself. While we won’t tell you what to do, we’ll work with you every step of the way, offering guidance, tools, and compassionate understanding to help you navigate challenges and build a stronger connection with yourself and your loved ones.
If you’re ready to explore this collaborative approach to therapy, reach out to us today. Together, we’ll help you gain the clarity and connection you need to move forward. Our Care Coordinator is available at 775-235-2205.
Meet Gina Bemis, Therapist in Reno
Meet Gina Bemis, Clinical Social Work Intern in Reno, NV
Supporting Adults, Teens, Children, and Couples Through Life’s Challenges
Hello, I’m Gina Bemis, CSWI, a therapist in Reno. I am a Clinical Social Work Intern at Individual & Relationship Counseling Associates in Reno. I take a collaborative approach with my clients. This means I work hard to understand their personal experiences, and help them work through challenges to achieve the progress that matters most to them.
Personalized, Evidence-Based Care
I draw on research-backed methods to address your specific challenges, tailoring each session to focus on practical tools and deeper insights that lead to meaningful progress. My approach is grounded in fostering a strong therapeutic relationship, empowering clients to build the skills and understanding needed for lasting change.
Modalities: A Comprehensive Toolbox
I use a variety of therapeutic modalities to best meet my clients’ needs, including:
- Emotionally Focused Therapy (EFT): Supporting couples and individuals in deepening connection and repairing relationships.
- Acceptance and Commitment Therapy (ACT): Promoting mindfulness and values-driven action.
- Eye Movement Desensitization and Reprocessing (EMDR): Helping individuals heal from trauma and distressing experiences. I have completed EMDR training and am actively working toward certification.
- Expressive Arts and Play Therapy: Encouraging creative expression for children and adults.
- Cognitive Behavioral Therapy (CBT): Identifying and reshaping negative thought patterns.
I have specialized training in working with PTSD, trauma, grief and loss, anxiety, and psychosis. Whether you’re seeking support as an individual, a couple, or as part of a family, I provide care that prioritizes meaningful growth and healing. Learn more about our Therapists in Reno.
A Rich Background in Social Work and Community Care
I have lived and worked in the Reno area for over 20 years and have been a licensed practicing social worker since 2003. My early career included volunteering at a hospice agency, where I supported individuals grieving the loss of loved ones. While completing my master’s degree, I co-facilitated a bereavement group with a local therapist, further deepening my skills in grief support.
For a decade, I worked as a state-employed social worker with diverse populations, including older and physically disabled clients. One of my most rewarding roles was helping clients remain in their homes as they aged. During my undergraduate studies, I had the unique opportunity to live in Guam, where I gained a deep appreciation for the Chamorro culture while completing my degree and internship. These experiences have helped me know the importance of seeing diversity, always taking a compassionate approach, and having a commitment to understanding each client’s perspective.
Let’s Get Started
If you’re struggling or simply looking to improve aspects of your life, I’m here to help. Contact us today to schedule an appointment and take steps toward creating a more fulfilling and balanced life. I look forward to supporting you on this journey.
Fees and Insurance: My current fee is $140 and our office will provide you the necessary information, including an insurance superbill to pursue reimbursement.
Meet Reno Therapist Kim Crandell, CPC-I
Kim Crandell – Therapist in Reno
Kim Crandell is a Clinical Professional Counselor Intern dedicated to guiding individuals, couples, and families through life’s challenges and transitions. Some clients have a specific preference for a male therapist in Reno, Kim can help. His expertise includes helping clients manage anxiety, loneliness, emotional stress, relationship difficulties, disconnection, and the complexities of retirement. Through personalized, client-centered care, Kim fosters healing, personal growth, and emotional well-being.
Kim integrates Emotionally Focused Therapy (EFT)—a highly effective approach to relationship counseling—into his practice. For those seeking spiritual alignment, he also offers Christian faith-based support to complement clients’ personal beliefs and values.
Therapeutic Approach and Areas of Focus
Kim emphasizes the value of strong therapeutic alliances, which he believes are essential for achieving meaningful progress. By working collaboratively with clients, he helps them identify and break negative cycles, develop healthier behaviors, and foster lasting change.
He works with a diverse range of clients, including:
- Couples navigating relational challenges
- Adolescents and families addressing personal or family dynamics
- Executives and professionals managing stress in high-pressure careers
- Individuals facing personal transitions, grief, or emotional distress
Professional Experience and Collaboration
Kim brings more than 30 years of experience in healthcare leadership, including serving as a hospital CEO, which gives him unique insight into the demands of executive roles. His deep understanding of leadership challenges and high-stress environments equips him to provide effective emotional support to professionals managing chronic stress.
At Relationship Counseling Associates, Kim works closely with a multidisciplinary team to ensure comprehensive care, drawing on collaborative insights to meet clients’ unique needs.
Services Offered
Kim offers therapy to individuals aged 15 and older, with a standard session fee of $120. His services include:
- Individual therapy
- Couples counseling
- Family therapy
- Premarital counseling
- Parenting support and guidance
- Relationship coaching
- Professional development
Whether clients are working through marital conflict, career stress, family dynamics, grief, or personal growth, Kim creates a safe and empathetic space for transformation and healing.
Client-Centered Care Rooted in Attachment Science
Kim’s therapeutic approach is grounded in attachment science and guided by client-centered principles. His goal is to help clients develop self-awareness, self-acceptance, and emotional resilience, empowering them to build meaningful relationships through trust, empathy, and mutual respect.
Take the Next Step
Kim invites you to take the first step toward emotional well-being and relational health by following the link to schedule a free consultation. You can also call 775-235-2205 and learn more about working with Kim. He looks forward to partnering with you on your journey toward fulfillment, personal meaning, and deeper connections.
When Couples Therapy Misses the Mark: Why Some Approaches Can Worsen Conflict (and How EFT Offers a Solution)
Does Marriage Counseling Work? It Depends…
Introduction:
I read a forum post recently where the author was gathering opinions about, “does marriage counseling work?” My internal voice was, “well of course it does!!” But this isn’t always true: it depends on a number of factors. In this article I’m speaking to couples who are wondering whether marriage counseling works, and perhaps more importantly, whether it will make things worse. After all, if things are bad then at least doing nothing isn’t likely to make them worse, right? This is why I said, “it depends” in the subtitle.
In my years as an Emotionally Focused Therapist, I’ve had the privilege of guiding many couples through meaningful change and growth in their relationships. I’ve seen many couples reconnect and rediscover love and trust with EFT. However, I’ve also encountered situations where well-intentioned therapeutic interventions had inadvertently made existing challenges worse. Here’s an example:
I recall one couple, I’ll call them Sarah and Mark, who sought my help after months of behavioral-based couples therapy. They were nearing the end of their rope, their communication patterns mired in blame and defensiveness. Mark felt unheard and dismissed, while Sarah felt perpetually criticized. Their previous therapist had focused on instructing them regarding communication techniques, but this only seemed to intensify their conflicts. Each new “technique” became another tool for discord. Conflict began to center around who was at fault for not following the therapist’s instruction!
Sarah and Mark’s experience is unfortunately not uncommon. Many couples enter therapy seeking support, only to find themselves feeling more disconnected and discouraged. Our local Reno therapists, Individual & Relationship Counseling Associates, understand this potential risk.
The Challenges of Traditional Marriage Therapy
Often, traditional couples therapy can become mired in continually identifying problems and assigning blame. As Sue Johnson, the pioneer of EFT, aptly observes, “Many couples come to therapy talking about communication problems when what they really need is help with the underlying emotions driving those problems.” (1)
Instead of fostering understanding and connection, this approach can leave couples feeling increasingly isolated and misunderstood. John Gottman, a leading researcher on marital stability, echoes this concern: “Most couples therapy focuses on changing behaviors, but what really needs to change is the emotional connection.” (2)
Specific challenges of traditional couples therapy models include:
- The Blame Cycle: Some approaches inadvertently encourage partners to focus on each other’s perceived flaws, fostering criticism and defensiveness, which can further erode their bond.
- Surface-Level Focus: Traditional therapy may get caught up in the content of arguments, overlooking the deeper emotional needs fueling those conflicts. This is akin to addressing symptoms while neglecting the underlying cause.
- Neglecting Attachment Needs: Humans have an innate need for connection. When these needs are unmet, we often react with fear, anger, or insecurity. Traditional therapy may not always address these fundamental needs, leaving couples feeling alone and unsupported.
- One-Size-Fits-All Solutions: Many therapists rely on standardized techniques and interventions that may not resonate with the unique dynamics of each couple. This can lead to frustration and a sense of being misunderstood.
Does Marriage Counseling Work? EFT: A Path to Emotional Safety and Connection
Emotionally Focused Therapy (EFT) offers a different path. It recognizes that conflict is often a cry for connection, a desperate attempt to get our partner’s attention and feel loved and secure. In simple terms, Emotionally Focused Therapy (EFT) for couples is a roadmap to understanding and healing the emotional wounds that cause conflict in your relationship.
EFT guides couples through a process of:
- Uncovering Hidden Emotions: EFT helps you and your partner identify and express the deeper emotions that are often hidden beneath the surface of your arguments. These emotions might be fear, hurt, loneliness, or feeling unloved. Once these emotions are out in the open, you can start to make sense of them and address them.
- Creating a Safe Space: Your therapist will create a safe and supportive space where both of you can feel comfortable sharing your emotions without fear of judgment or criticism. This safe space is crucial for healing and building trust.
- Understanding Your “Dance”: EFT therapists help you recognize the negative patterns or “dances” you get stuck in during conflicts. These patterns often involve one person pursuing connection and the other withdrawing. Understanding this dance helps you break free from it.
- Changing Your Steps: With the therapist’s guidance, you’ll learn new ways to respond to each other’s emotional needs. This involves expressing your own needs more clearly and responding to your partner’s needs with empathy and understanding.
- Building a Stronger Bond: As you learn to communicate more openly and connect on a deeper emotional level, you’ll start to feel closer and more secure in your relationship. Trust and intimacy will grow, and you’ll be better equipped to handle challenges together.
Does Marriage Counseling Work? Only if it gets to the root of distress
Think of EFT like learning a new language – the language of emotions. Instead of speaking in accusations and criticisms, you’ll learn to express your needs and feelings in a way that your partner can understand and respond to. This new way of communicating can transform your relationship from a battleground into a safe haven.
It takes time and effort to change deeply ingrained patterns. I saw this positive change unfold with Sarah and Mark. As we delved into their deeper emotions, they began to understand the pain and fear that fueled their conflicts. Mark realized that Sarah’s criticism stemmed from a fear of abandonment, while Sarah recognized that Mark’s withdrawal was a way of protecting himself from feeling hurt. As they learned to express their needs more vulnerably and respond with compassion, their relationship began to heal.
Very importantly, when Sarah and Mark found themselves stuck in their negative pattern at home, they had a strategy. They were able to slow things down and realize they were bogged down. This gave them an opportunity to regroup and talk in more emotionally vulnerable terms. Specifically, to describe how their respective criticism and defensiveness were reactions to feeling disconnected and misunderstood.
Conclusion:
Does marriage counseling work? Couples therapy can be a valuable tool for healing and growth, but only when it addresses the root of the problem: the emotional disconnection that drives conflict. Emotionally Focused Therapy (EFT), as offered by practices like Individual & Relationship Counseling Associates in Reno, offers a roadmap for couples to navigate their emotional landscape, heal old wounds, and create a more secure and loving relationship. If you’re considering couples therapy, choose wisely. This article outlines questions you might ask a prospective therapist. Your relationship is worth it.
Citations:
(1) Johnson, S. M. (2004). The Practice of Emotionally Focused Couple Therapy: Creating Connection. Brunner-Routledge. (2) Gottman, J. M., & Silver, N. (2015). The Seven Principles for Making Marriage Work. Harmony.
Will My Insurance Cover Therapy? A Helpful Form
Individual & Relationship Counseling Associates
Insurance Verification Form for Therapy Benefits
Why Verify Your Therapy Insurance Benefits?
A common question (view our FAQ’s here) we are asked at our therapy center in Reno is, “will my insurance cover therapy?” Understanding your insurance coverage for mental health services is an important step in making informed decisions about your care. This form will guide you through a conversation with your insurance company to help you understand your out-of-network benefits for therapy sessions.
Send us an email to receive a printable version of this form.
Before You Call:
- Gather your insurance card and any relevant policy information.
- Have a pen and paper ready to take notes.
- Be prepared to wait on hold or be transferred to different departments.
Call your insurance company at the Member/Customer Services line. They may ask for your patient ID number. Each insurance carrier organizes its phone menu options differently, but you should listen for the options of checking benefits and eligibility and checking mental or behavioral health benefits. If possible, choose to speak to a live representative. If this is not a menu option, you may be able to reach one by verbally asking for a representative or for customer service. You may be transferred before reaching the representative who can tell you your benefits. Note the date you call and the call reference number.
Client Name: _________________________
Date: _________________________
Insurance Company: _________________________
Member/Customer Service Phone Number: _________________________
Call Reference Number: _________________________
- Benefit Period: (The year your coverage is active) _________________________
- Out-of-Network, Outpatient Mental/Behavioral Health Benefits:
- Individual or Family Benefits (or both): _________________________
- Deductible:
- Individual: _________________________
- Family: _________________________
- Amount Met Towards Deductible:
- Individual: _________________________
- Family: _________________________
- Coinsurance Rate (Percentage patient pays): _________________________
- Out-of-Pocket Maximum:
- Individual: _________________________
- Family: _________________________
- Pre-Authorization Requirements: _________________________
- Claims Address: _________________________
Additional Notes: _________________________
Will My Insurance Cover Therapy? An Example:
Let’s say the representative gives you these benefits:
Benefit period: 9/1/15-8/30/16
Deductible: $1,000 Amount met towards deductible: $300
Coinsurance rate: Insurance responsibility: 60% Patient responsibility: 40%
Out-of-pocket maximum: $5,000
Explanation:
These benefits are applicable during your benefit period. This means that on 9/1/16, a new benefit year begins. The benefit year is important to know because it tells you when the accumulation towards the deductible starts over. Many insurance companies will tell you the effective dates of the policy before they tell you the benefit period. This can be confusing, because both of them are dates and may be given at the beginning of the call, but make sure you ask for the benefit period specifically. You can ignore the effective dates for this worksheet.
Deductible Amounts:
Often, a deductible must be met before reimbursement is possible. In this example, that means that the patient has to spend $1,000 out of pocket before reimbursement can begin. Insurance companies will reimburse a percentage of the usual and customary fee for a therapy session. They will not tell you the usual and customary rate, but it is determined by typical session costs in your region. Often, this rate is lower than the actual fee you paid for your session.
The percentage of the usual and customary fee that the insurance company covers is known as the coinsurance rate. Be sure to find out what percentage the insurance company will cover and what percentage you will cover after the deductible is met. In this case, the insurance company will cover 60% of the fee after the deductible is met. For this example, let’s say the usual and customary rate is $100. The insurance company will send back $60 for every session after the deductible is met. The patient will have had 60% of the usual and customary rate reimbursed.
Your Out-Of-Pocket Maximum
Your insurance company will put a limit on how much money you spend before they cover out-of-network mental health services at 100%. They will either limit the amount you pay out of pocket in general – the out-of-pocket maximum – or they will limit what you pay after the deductible as part of your coinsurance responsibility – the coinsurance maximum.
If you still need help with, “will my insurance cover therapy?” call us.
Individual & Relationship Counseling Associates
Relationship Counseling / Therapists in Reno, NV
Special thanks to my friend and colleague, Dr. Laurie Watson, creator of the Foreplay Radio Sex Therapy program.
Meet Reno Therapist Hillary Harris, CPC-I
Meet Hillary Harris
Hi, I’m Hillary Harris, a Clinical Professional Counselor Intern and therapist in Reno. For those looking to integrate faith into their therapy, I’m comfortable incorporating Christian principles to support your values and beliefs.
How I Can Help
I work with individuals and couples who are feeling stuck in cycles of loneliness, disconnection, or unresolved emotional pain. My general goal is twofold. First, to create a safe space where you feel understood and supported. Second, to gain greater clarity, self-acceptance and movement toward the things that matter most to you.
My Approach
Specialty Areas:
- Emotionally Focused Therapy (EFT): A proven approach to strengthening relationships and resolving conflict.
- Attachment-Based EFT for Individuals (EFIT): Focused on helping you heal and grow as an individual.
- Brainspotting: A powerful, focused treatment method designed to help process trauma and access deep emotional healing.
A strong connection between therapist and client is essential for therapy to work. Learn more about the importance of the therapy working alliance here. Together, we’ll explore the patterns that are keeping you stuck and find ways to create lasting change.
Who I Work With
I’m especially passionate about working with:
- Couples wanting to rebuild connection and trust. Read more about couples therapy here.
- First responders and military personnel navigating high-stress environments.
- Individuals coping with relationship loss or the effects of trauma. Read more about individual therapy here.
My experience in the military has given me insight into the unique challenges faced by people in high-stakes, high-stress roles, and I bring that understanding into my work.
What to Expect
At Individual and Relationship Counseling Associates, we focus on providing compassionate, focused, personalized care. I’m part of a dedicated, collaborative team and regularly consult with our Clinical Director, Cornelius Sheehan, LCSW, to ensure I’m offering the best possible support for my clients.
Session Details
- Fee: $120 per session with a sliding scale.
- Insurance Accepted: Hometown Health Plan
- Ages Served: 18 and older
Hillary’s Areas of Expertise
- Relationship Issues
- Trauma and PTSD
- Veterans
- Addiction
- Anxiety
- Codependency
- Depression
- Divorce
- Family Conflict
- First Responders
- Grief
- Life Transitions
- Marital and Premarital Counseling
- Spirituality
- Stress
More About Hillary
I’m a mom of three teens and a sweet therapy dog, Ginger. When I’m not in the therapy room I’m usually enjoying one of the beautiful outdoor opportunities that are a part of living in Northern Nevada.
Get Started in Therapy with Hillary Harris
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A Discussion of Family Therapy for Military Families
What to Expect from the Episode
Dr. Polinsky explains the profound impact of caregiver accessibility on children, shedding light on how feelings of emotional disconnection can influence behaviors, life choices, and even risks like substance use. She and Con delve into the complexities of military family life, discussing challenges such as navigating parental roles during deployment and coping with the stressors unique to military culture.
Key Insights from Con Sheehan
Con shares real-life examples from his EFFT practice, emphasizing the importance of creating a secure family environment where every member’s emotional needs are acknowledged and met. He highlights actionable strategies such as:
- The role of repair in strengthening family bonds.
- How availability and intentional parenting can counteract the effects of stress and disconnection.
- The benefits of even short-term therapy in helping military families thrive.
Therapy for military families in Reno, NV with Con Sheehan, LCSW. Con does attachment-based EFFT, Emotionally Focused Family Therapy in Reno. He was recently a guest on the Communicate and Connect Podcast.
Ep. 50 with Con Sheehan on Emotionally Focused Family Therapy
In The Communicate and Connect Podcast for Military Relationships, marriage counselor Dr. Elizabeth Polinsky explains relationship science and discusses educational tips for improving your relationship and navigating military family life.
From Dr. Polinsky: “In this podcast you’ll find insights into how children cope with feelings of caregiver inaccessibility and how this can influence their behavior and life choices, including the risks of substance use. We also discuss specific challenges faced by military families, such as managing parental roles during deployment and the unique stresses that can impact both children and parents.
To aid our understanding, Con shares examples from his practice, focusing on creating a family environment where each member’s needs are understood and met. We’ll emphasize the importance of repair, availability, and intentional parenting—even discussing how therapy, even short-term, can be instrumental for families.”
Click here to learn more about family therapy in Reno with Con and his colleagues at Individual & Relationship Counseling Associates.