Common Questions About Counseling and Coaching

What is the difference between psychotherapy, counseling, and coaching?

Psychotherapy

Psychotherapy or therapy is a professional process, which may have a medical slant to it. Therapists must make a psychiatric diagnosis and certify that the sessions are “medically necessary” in order to bill medical insurance carriers. Therapists tend to follow a treatment plan to help patients accomplish their goals. It is considered a healing process. Therapy continues as long as the therapist and patient feel they are making progress. But as long as therapists bill an insurance company, they are implying, and willing to certify, that the therapy is medically necessary for treatment of the diagnosis.

Typical diagnosis categories that therapists bill for include, but are not limited to: depression, anxiety, bipolar mood disorder, attention deficit hyperactivity disorder (ADHD), adjustment disorders, post traumatic stress disorder (PTSD), addictions, impulse control disorders, obsessive-compulsive disorder (OCD), and many disorders of childhood and adolescence not listed above. Clinical assessment instruments may help a therapist make a diagnosis and create a treatment plan.

Please note that relationship problems like marital or family relationship problems are not listed above because they are not medical diagnoses covered by health insurance plans. But they are commonly covered by Employee Assistance Plans (EAPs) for a limited amount of sessions. If your therapist is willing to make a psychiatric diagnosis and claim that relationship therapy is what is medically indicated to relieve that condition, (s)he can often bill third party payers, including health insurance carriers, for the treatment.

Counseling

Counseling is a more general and inclusive term that often reflects, but is not limited to the psychotherapy process. Counseling of a non-medical nature, which cannot be considered as psychotherapy, may be provided by professional therapists other types of counselors. One example of non-professional counseling is Pastoral Counseling from a religious minister.

The manner in which a counselor goes about encouraging client growth and development varies based on the needs of the client. This may range from psychological “first aid” and/or assistance coping with grief and loss at one end of the spectrum to establishing life or career goals at the other end of the spectrum.

The term “Counselor” implies “One who gives counsel.” But professional counselors avoid giving advice or direction to clients, who are seen as needing to process through various alternatives to find the best one for themselves. Advice giving transfers responsibility from the client to the counselor and fosters an unhealthy dependence on the counselor. Counselors may or may not use clinical assessments or treatment plans. Many clients see counseling as a way to get “tools” for challenging situations.

Coaching

Where therapy is the practice of helping people deal with dysfunctional patterns and/or relationships, coaching can be seen as helping relatively healthy people optimize their lives. Coaching services presume the client is healthy, whole and prepared to achieve his or her own goals and objectives. Therapy tends to focus on resolving past and current issues to free up a person to lead a healthier life. Coaching tends to be forward looking. It is also more action oriented and less about assessment – more about progress.

Coaching is primarily a positive experience that should be revitalizing and enjoyable, and leave the client feeling clear-headed and capable. It tends to help people view themselves and others differently and deal with stress and time pressures better.

According to the International Coach Federation (ICF), “Coaching is an ongoing relationship which focuses on clients taking action toward the realization of their vision, goals or desires. Coaching uses a process of inquiry and personal discovery to build the client’s level of awareness and responsibility and provides the client with structure, support and feedback. The coaching process helps clients both define and achieve professional and personal goals faster and with more ease than would be possible otherwise.”

Certification boards like ICF exist to certify coaches, something that is more important to businesses and corporations than to individuals. Individuals seeking life coaching would do well to seek a referral from someone they trust or to look for a coach, who has passed a certification process. Licensed therapists, who are then trained and qualified in coaching are some of the best prepared to provide coaching services.

What Are the benefits of Counseling?

Many benefits are available from participating in counseling. Therapists can provide support, problem-solving skills, and enhanced coping strategies for a wide variety of issues such as depression, anxiety, relationship troubles, unresolved childhood issues, grief, stress management, and creative blocks. Therapists can provide a fresh perspective on a difficult problem and help you discover solutions from inside yourself. Some of the benefits available from therapy include:

  • Finding resolution to issues or concerns
  • Learning new ways to cope with stress and anxiety
  • Managing anger, grief, depression, anxiety, and other emotional problems
  • Improving communication and human connection
  • Discovering new ways to solve problems in your family or marriage
  • Improving your self-esteem and boosting confidence
  • Gaining tools for improving all your relationships

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What is counseling like and how long should it take?

Custom Fit

Every person is unique, and therapy is tailor-made for each person. Everyone has different issues and goals for therapy, so therapy will be different depending on the individual. In general, you can expect to discuss the current events happening in your life and the roadblocks or problems you have encountered. You will probably review your history relevant to your issues, and report progress and insights gained to date as you proceed.  Counseling often includes a safe way to bring up trauma and other painful problems of earlier life.

Length

Depending on your specific goals, counseling can be short-term, for a specific purpose, or longer-term, to deal with more difficult problems or your desire for more personal development. Counseling may last from a few weeks to several months or longer. Many people report significant goal accomplishment in 6 months.

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Is counseling/therapy right for me?

Why do people get counseling/therapy?

People have many different motivations for coming to counseling. Some people may be going through a major life transition or crisis (unemployment, divorce, new job, abuse, etc.) or are not handling stressful circumstances well. They will often be fighting depression and/or anxiety. Counseling can help provide some much needed tools, encouragement, and support to get them through tough periods. It often provides the process for resolving deep issues that block happiness and goal achievement.  Others may be at a point where they are ready to learn more about themselves or want to be more effective in their lives. This may include being more effective in relationships.  Couples and/or other significant others/family members may attend counseling together to improve their relationship(s).  In short, people seeking counseling are ready to meet challenges and make changes in their lives.

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What is Life Coaching like and how long should it take?

Coaching is ultimately much more flexible in style and content of sessions.  A coach is much more free to share personal opinions and give advice.  The relationship is also less restricted than the therapeutic relationship should be.  One example of this is that a therapist should do all possible to avoid a dual relationship, such as providing therapy for a family member or other close acquaintance.  Coaching, which eventually tends to follow somewhat of a presentation format, does work with close acquaintances.  Coaching also often includes significant self-disclosure by the coach, whereas therapists have to be more careful about self-disclosure.

Coaching often has a course of 6-12 or more sessions with homework assignments.  Other sessions may be added before during or after the course as  needed.  Sessions can center significantly on a specific problem or set of problems.

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How do I choose the right therapist?

Therapeutic Relationship

The most important factor in determining your happiness with and success in therapy is what we call the therapeutic relationship. A successful experience occurs when there is a “fit” with your therapist. Most people can do well with most therapists, but your experience will improve greatly if you do a little research about potential therapists and select the qualities you think are most important. You should be comfortable and more hopeful after one or two sessions. If not, ask for referrals for a new therapist.

Important individual therapist qualities may include age, gender, experience, practice specialties, and treatment philosophy. You may ask prospective a therapist about their approach and their understanding and ability to use specific approaches.  For example you may inquire about their ability to do Cognitive Behavioral Therapy (CBT) or do Bible-based counseling if it is important to you. It is advisable to get a recommendation from someone you trust like a friend, doctor, pastor, or another therapist. Location, availability of appointments, insurance participation, and financial policy are also important considerations. Of course you want to find a qualified therapist.  Normally you want someone, who has been practicing for a few years.  A therapist with 10 years of practice history is even better.  There is a lot for therapists to learn and it takes a long time.

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What are the qualifications of a good counselor/therapist?

Therapist Qualifications

Therapists often belong to a professional association, such as California Association of Marriage and Family Therapists (CAMFT), which sets professional standards for ethics and care. Many professional associations exist, having various standards, and therapists may choose which to belong to once they qualify. Membership does not guarantee a better therapy experience, but it’s a good indicator of someone, who has committed to higher standards.

Most counselors are licensed to provide therapy and may apply to be accepted to insurance panels. Therapists submit to a rigorous training and testing process to receive a state license. They commit to provide counseling that is governed by the state and conforms to state law and their respective professional associations. A reputable therapist can be expected to adhere to the same high standards whether billing third party payers or receiving private pay.

But therapists must usually be contracted providers on your insurance or EAP plan (Panel of Providers) in order to receive payment from them. Most plans require 2-5 years of post-licensure experience before accepting a therapist to their panel.

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How do I set up an appointment

North Star Counseling Appointments

Appointments are scheduled for reserved times as agreed upon by you and your therapist. You may have anywhere from 30 to 60 minutes of discussion time with your therapist during your appointment. Session length may be arranged, but most are about 45 minutes. Please make every effort to keep your appointment. Should a situation arise that prevents you from keeping an appointment we request your cooperation as follows

If you need to change an appointment, please call our 24 hour voicemail or text your therapist immediately. The charge is $30.00 for failure to cancel. The late cancellation fee is $25.00 for cancelling less than 24 hours before the scheduled appointment, except in case of emergency.

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What is the frequency of counseling sessions?

Frequency

The most common frequency for counseling sessions is weekly. It helps you establish and re-enforce healthier patterns and maintain consistent progress. It facilitates scheduling and a healthy routine. But most clients reach a point where they feel ready to spread sessions out to bi-weekly or even monthly to provide time to practice their gains and build confidence in independent improvements.

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How do I make the most out of my sessions?

Your Participation

It goes without saying that a therapist will need you to honestly, even if gradually, disclose your thoughts, feelings, and habits/patterns in life.  (S)he will need a fairly good picture of your distant and recent history.  It may not all come out at once.  You may release it as you gain trust and confidence in your therapist.

Please understand that you will get more positive results from therapy if you actively participate in the process and practice outside of the office. Beyond the work you do in sessions, your therapist may explore some things, “homework assignments,” you can do outside of therapy to support your growth, such as reading a pertinent book, journaling on specific topics, tracking particular behaviors, or taking action on your goals.

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Can I count on confidentiality?

Confidentiality

Trust is one of the most important components between a client and counselor. Successful therapy requires a high degree of trust with the personal and sensitive subject matter that is discussed in the therapist’s office. You can be sure that your discussions with your counselor will remain confidential with only a few exceptions as discussed below. We can provide a written copy of the HIPAA policy, and you can expect that what you discuss in session will not be shared with anyone without your permission. Sometimes you may want your therapist to share information or give an update to someone (your Physician, Pastor, Attorney, etc.), but by law your therapist cannot release this information without obtaining your permission.  (S)he should obtain it in writing.

There are a few limits to our required confidentiality. State law and professional ethics require therapists to report following situations:

* Suspected past or present abuse or neglect of children, dependent adults, and elders (Reports are made to the authorities, including CPS, APS, or law enforcement agencies.)
* Suspicion that the client may severely harm him/herself or has threatened to seriously harm another person (homicidal, or terrorist, or suicidal threat)

Privacy and HIPAA Policy

North Star Counseling (NSC) will use your personal health information for the purpose of carrying out treatment, obtaining payment, evaluating the quality of services provided and any administrative operations related to treatment or payment. You have the right to restrict how your personal health information is used and disclosed for treatment, payment and administrative operations if you notify the practice. NSC will consider requests for restriction on a case-by-case basis. You have the right to revoke this consent by notifying the practice in writing at any time. Release of personal information other than as explained above shall only occur by separate written authorization. You may request a copy of the HIPAA Policy.

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What options do I have for payment? Can I have insurance or other 3rd parties pay for my counseling?

You have payment options

You may make private payments from your own funds by check, cash, Venmo, or credit/debit card. We are qualified as medical providers to accept payment from MSA/HSA accounts. Many people receive help from church or extended family members. We may send an invoice to a church or family member as arranged with your counselor. Of course, you maintain control of your counseling experience and confidentiality by paying privately for our services.

Third Party Payers

Besides insurance plans, third party payers include church, employment benefits, and the State Victim/Witness program. We send statements to pre-authorized church groups, who frequently refer their members. Some employers offer a benefit to employees of helping them pay for part or all of their counseling. This may come in the form of a special agreement with the employer or a formalized Employee Assistance Program (EAP). Employee based support is often limited to a number of sessions and or a price. The State of California will pay for therapy for most victims/witnesses of a crime as partial compensation for those who cooperate in the investigation/prosecution of a crime. Supporting family members may also receive compensation from the fund.

Health Insurance

Many third party payers, like health insurance carriers, may put limits on the number of sessions and require information about the course of treatment, progress and severity of symptoms. Many people want to use their medical insurance, including Medicare, to pay for getting help, and that’s completely legitimate. But that only works if the therapist will make a psychiatric diagnosis and certify that the sessions are “medically necessary” for the treatment of that diagnosis. We do not accept Medi-cal.

Working with health insurance carriers

Given that you have a medically billable diagnosis, we will be happy to bill some health insurance carriers for their responsibility. We assume that you have verified that they will cover services and that you are aware of your co-payment obligation. Remember, the financial responsibility always rests with you rather than the insurance company. We do not accept all plans. Check with your therapist and plan to make certain it will work for you.

To determine if you have coverage through your insurance, call the customer service number on the back of the card. You may also be able to access this information on their web page. Check your coverage carefully and make sure you understand their information. Some helpful questions you can ask are:

  • What are my mental health benefits?
  • What is my co-pay amount per therapy session?
  • Do I have a deductable and how much has been satisfied?
  • How many therapy sessions does my plan cover?
  • Does my insurance pay for an out-of-network provider?
  • Do I need prior authorization?

Your therapist must usually be a contracted provider on your insurance or EAP plan (Panel of Providers) in order to receive payment from them. Some plans will allow out-of-network provider billing, or will be willing to do a single case agreement with your therapist.

Coverage for Relationship Therapy

Please note that relationship problems (like marital or family relationship problems) are not medical diagnoses covered by health insurance plans. But they are commonly covered by Employee Assistance Plans (EAPs) for a limited amount of sessions. If your therapist is willing/able to make a psychiatric diagnosis and claim that relationship therapy is what is medically indicated to relieve that condition, (s)he can often bill third party payers, including health insurance carriers, for the treatment.

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Can therapy take the place of medication?

Therapy vs. Medication

Research tells us that 2/3 of the patients receiving only anti-depressant medication get better in 6-9 months. Psychotherapy for depression without medication is also at least 2/3 effective in about a half a year, but without the side effects of medication. Some cases of severe depression may require both. Research also tells us that regular moderate exercise can be as effective as antidepressant medication.

Instead of just medicating the symptoms, therapy addresses the cause of our distress and the behavior patterns that curb our health and progress. There is always something to be learned and growth to be received from our trials.

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Should my doctor be consulted or otherwise involved?

Teamwork

We can collaborate with your medical provider and you can determine what’s best for you. In some cases a combination of medication and therapy is the right course of action. You can best achieve sustainable growth and a greater sense of well being with an integrative approach to wellness. That may require that you, your therapist, primary care doctor, psychiatrist, clergy persons, and others work together.  As therapists, we cannot prescribe medications. We do, however study and have a working understanding of most psychiatric medications.

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