Carrie Heinze-Musgrove, MA, LCPC

Frequently Asked Questions

What is concierge therapy?

Concierge therapy simply means that it is available when you need it and from wherever you happen to be. I utilize Facetime, Skype or Vsee so we can connect any time.

Usually, therapy involves making appointments and arrangements. If you are struggling right now, then scheduling a session in two weeks is not ideal. Putting a bandage on a wound after the scar has formed can limit the benefit.

I am never further away then your phone or computer. This means you can get the help you need from the comfort of your home or wherever you have privacy and access to the internet. Normally, I can see you the same day and almost always within two days. Concierge therapy means you can get help when you need it the most.

What are the benefits of therapy?

The benefits of therapy have been shown in hundreds of research studies. People who are depressed find their mood lifting. Others no longer feel afraid, angry, or anxious. In therapy, people have a chance to talk things out fully until their feelings are relieved or the problems are solved. Clients’ relationships and coping skills improve greatly. They get more satisfaction out of social and family relationships. Their personal goals and values become clearer. They grow in many directions—as people, in their close relationships, in their work, and in the ability to enjoy their lives.

What are your qualifications?

I am a Licensed Clinical Professional Counselor. I hold a Master’s Degree in Psychology and have twenty years of experience in hospitals, outpatient clinics and private practice.

There is more information about me, my background, experience and approach here.

How can I be comfortable with this?

Before making any commitments…financial or other…. I offer a free online consultation so you can be comfortable with the process. This gives us both an opportunity to make sure we are a good fit and that we are both comfortable that our therapeutic relationship has value. You can schedule your consultation by clicking here to send me an email.

What are your rates?

My rate is $150 per session. I only charge for the actual sessions (not for emails, texts, etc.) I have clients with whom I meet twice a week, and those with whom I meet twice a month. We schedule sessions to accommodate both your needs and your budget.

Do you charge for emails?

Because it is important to keep in touch with you between sessions, I do not charge for emails, text messages, or even short phone calls provided they are reasonable. We are a team, and keeping communication lines open is essential.

Does insurance cover this?

No. Most insurance companies do not cover online therapy yet. While it is always beneficial to check with your insurer and use the benefits available, there are several advantages to not going through insurance.

Your finances

It is not uncommon for insurance plans to include co-pays of up to $40 per session. In addition, unless your deductible has been met you might be paying all the bills out-of-pocket anyway. Although there is clearly a benefit to having the cost of therapy covered by a good insurance plan, be sure to weigh actual savings against the loss of control, the loss of convenience, the loss of confidentiality, and the downside of having your treatment becoming part of your permanent medical records.

Your records

Insurance companies will require a medical diagnosis in order to cover a portion of your therapy. This diagnosis (such as Generalized Anxiety Disorder or Major Depressive Disorder) will be part of your permanent medical record which can cause problems on many fronts.


Insurance companies control the number of sessions and the length of treatment. This is a decision that you should make without the interference of a third party that does not know you or the issues you are facing. Because they are paying part of the costs, they want to dictate treatment plans and make the determination of what is “medically necessary”. I much prefer an environment where you and I make those determinations based on your specific needs and not computer billing codes. I want to work for you, not the insurance company.


Although insurance companies are required by law to keep your information confidential, the reality is that there are several people and departments that share your information so they can authorize payment, print bills, audit the psychotherapy process, and review the case. Your confidentiality is complete with me. Only you and I are familiar with the intimate details of our sessions.

Can I pay for this with my Flexible Spending Account or Cafeteria Plan?

In most cases, yes. Check with your plan to be sure.

How do I pay you?

I accept payment with debit or credit cards through PayPal. You do not need a PayPal account and the process is very simple.

Are there any forms to sign?

Yes. There is a Consent Form and a Confidentiality Agreement. These are emailed to you. You can sign and return them all online through DocuSign. You do not need any software and it is very easy to do.

Do I need to buy video conferencing software?

No. If you own an Apple product you already have FaceTime. If not, Skype is free to download and easy to use.

How long will I be in therapy?

There is no way to assign a specific time-period for therapy. It is different for everyone. I believe in time and cost effective treatment with the length of therapy depending on your personal goals and needs.

How soon can I start?

Right now. It begins here.