Insurance-Based Services vs. Private Pay Coaching

Insurance-Based Services (AHCCCS / Commercial Insurance)

Provided when medical necessity criteria are met, and services are authorized. These services are billed as behavioral health treatment and focus on symptoms, functioning, and clinical goals.

Covered Focus Areas (When Medically Necessary):

  • Emotional dysregulation related to social media use
  • Anxiety, depression, or trauma linked to bullying
  • Stress, impulsivity, or emotional overwhelm affecting daily functioning
  • Family conflict impacting emotional or behavioral health

What Insurance Typically Covers:

  • Individual counseling or BHT sessions
  • Family counseling (when clinically appropriate)
  • Case management and care coordination
  • Treatment planning and progress notes
  • Evidence-based skill development (coping, regulation, communication)

Important Insurance Notes:

  • Services require an intake assessment and diagnosis
  • Frequency and duration are based on authorization
  • Insurance does not cover packaged or bundled programs
  • Progress is measured through clinical goals, not outcome guarantees
  • These services are documented and billed under behavioral health standards

Private Pay Coaching – Our Most Popular Packages

Non-clinical, skills-based, preventative, and growth-focused. These packages are not billed to insurance and do not require a diagnosis. They focus on mindset, skills, confidence, and family support.

Digital Confidence & Social Media Coaching Package

  • Private Pay Cost: $750 (8 weeks)
  • 8 weekly 1:1 coaching sessions (45 minutes)
  • Digital wellness & social media habits assessment
  • Coaching on:
    • Healthy screen boundaries
    • Online pressure & comparison
    • Confidence and identity in digital spaces
  • 1 parent coaching session
  • Personalized Digital Wellness Plan
  • Written progress summary
  • *Not insurance-billable

Bullying Recovery & Resilience Coaching Package

  • Private Pay Cost: $650 (6 weeks)
  • 6 weekly 1:1 coaching sessions
  • Emotional safety & confidence assessment
  • Coaching on:
    • Processing bullying experiences
    • Assertive communication & self-advocacy
    • Emotional regulation and resilience
  • Parent support session
  • School and peer response strategies
  • *Not insurance-billable

Emotional Regulation & Big Feelings Coaching Package

  • Private Pay Cost: $800 (8 weeks)
  • 8 weekly 1:1 coaching sessions
  • Emotional awareness & stress assessment
  • Coaching on:
    • Understanding emotions and triggers
    • Calming strategies for anxiety & overwhelm
    • Healthy emotional expression
  • Parent coaching session
  • Home-based Emotional Regulation Toolkit
  • *Not insurance-billable

How We Determine the Right Option

At intake, families are guided to the most appropriate path:

  • Insurance-Based Services — When symptoms meet medical necessity
  • Private Pay Coaching — When families want proactive, skills-based support without a diagnosis
  • Families may transition between services when appropriate and clinically indicated.

Optional Private Pay Add-Ons

  • Additional parent coaching: $125
  • Family coaching session: $175
  • Written school/court summary (coaching only): $100
Counseling Services Options and Fees
Coach Finny Counseling for Kids