Life Stone Counseling Centers (“Life Stone”) is committed to transparency, ethical billing practices, and compliance with applicable federal and state regulations. The following Financial Policies govern payment, insurance billing, credits, refunds, and client financial responsibility. By receiving services from Life Stone, clients acknowledge and agree to the terms outlined below.

Life Stone Counseling Centers accepts all in-network insurance plans, subject to individual provider credentialing and network participation. Not all providers at Life Stone may be contracted with every insurance plan, and network participation may vary by provider, location, or service type. Clients are responsible for confirming that their assigned provider is in network with their specific insurance plan.

Insurance benefits—including but not limited to pre-authorization requirements, deductibles, copayments, coinsurance, session limits, coverage exclusions, and medical necessity determinations—are governed solely by the terms of each client’s individual insurance policy.

As a courtesy, Life Stone offers complimentary insurance benefit verification prior to the initiation of services. Any information provided regarding insurance benefits is based solely on information obtained from the insurance carrier at the time of inquiry and is provided as an estimate only.

Insurance verification does not guarantee coverage, payment, or reimbursement. Life Stone makes no representations or warranties, express or implied, regarding the accuracy, completeness, or enforceability of information provided by insurance companies. Insurance carriers may change, reinterpret, or retroactively apply benefit determinations, including denials, medical necessity determinations, or payment adjustments, after services have been rendered.

Final determination of coverage and payment is made exclusively by the insurance company at the time a claim is processed. Clients are financially responsible for all charges not paid by insurance, including copayments, coinsurance, deductibles, denied claims, non-covered services, retroactive denials, or recoupments—regardless of any prior verification or estimate provided by Life Stone.

Clients are encouraged to independently verify benefits directly with their insurance carrier and obtain written confirmation when possible.

MEDICAL NECESSITY DETERMINATIONS

Insurance reimbursement is subject to medical necessity determinations made by the insurance carrier. While services may be clinically appropriate and recommended by a Life Stone provider, Life Stone does not guarantee that services will be deemed medically necessary or reimbursable by an insurance plan. Clients remain financially responsible for services denied based on medical necessity determinations.

OUT-OF-NETWORK INSURANCE

For services provided under an out-of-network insurance plan, payment is due in full at the time of service, unless prior written arrangements have been approved by Life Stone.

Upon request, Life Stone may provide a detailed receipt or superbill for services rendered. Submission of this documentation to an insurance carrier does not guarantee reimbursement. Any reimbursement determination, including amount and timing, is the sole responsibility of the insurance carrier and the client.

SELF-PAY & LOW-COST SERVICES

Clients who elect not to use insurance, or who do not have insurance coverage, may utilize self-pay services. Self-pay rates vary by provider, service type, and duration and are subject to change. For current rates with a specific provider, please contact us.

Life Stone also offers reduced-cost therapy sessions at $80 per session with Master’s-level interns for individuals who are uninsured or experiencing financial hardship. Availability is limited, based on clinician capacity, and subject to program guidelines.

Life Stone reserves the right to modify self-pay and reduced-cost offerings at any time.

THIRD-PARTY PAYMENTS

Life Stone may accept payment from approved third-party funding sources, including but not limited to:

• Clergy assistance programs
• State Victims Reparation
• Other approved funding sources

Acceptance of third-party payment is subject to verification, authorization, and compliance with applicable program requirements. Clients remain responsible for any balances not covered by third-party funding.

PAYMENT RESPONSIBILITIES

Payment for services is due at the time services are rendered, unless prior written arrangements have been made. Life Stone may maintain a payment method on file and may charge outstanding balances in accordance with client authorization. 

Clients are responsible for all financial obligations realted to services, rendered, including:

• Copayments
• Coinsurance
• Deductibles
• No Show/Late Cancellation Fees
• Any balances not covered by insurance

Accounts with unresolved balances may be subject to additional billing statements, suspension of services, or referral to a collections process, in accordance with applicable law.

Clients are responsible for fees associated with returned payments, failed transactions, or chargebacks, as permitted by law.

In the event of an overpayment, the excess amount will be retained as a credit on the client’s account. Credits may be applied toward future services unless the client submits a written request for a refund.

Clients may request a refund of any credit balance at any time by contacting Life Stone’s billing department. Approved refunds will be processed within a reasonable timeframe, typically within 30 days, subject to banking and processing requirements.

If no refund request is received and the client continues receiving services or remains in communication with Life Stone, the credit will remain active and available for use.

In compliance with Utah’s Revised Uniform Unclaimed Property Act (RUUPA), if a client’s account remains inactive and Life Stone is unable to confirm the client’s intent to retain a credit balance, Life Stone may be legally required to report and remit unclaimed funds to the Utah State Treasurer’s Office after a dormancy period of three (3) years.

Prior to remittance, Life Stone will make reasonable efforts to contact the client using available contact information, as required by law.

An account may be considered active if the client:

• Continues receiving services
• Responds to appointment reminders
• Accesses the client portal
• Communicates with Life Stone in any form

Life Stone may send notifications to confirm credit balances and client intent in order to comply with state law. Failure to respond may result in remittance of funds as required by statute.

The following disclaimer is included in Life Stone’s Financial Agreement and applies to all clients:

Life Stone understands that financial and insurance matters can be complex. Clients are encouraged to contact our billing team with questions regarding coverage, balances, or payment options.

• Phone: (801) 984-1717
• Email: billing@lifestonecenter.com