No Surprises Act.

 

No Surprises Act Notice (Good Faith Estimate)

Last Updated: December 10, 2025

You have the right to receive a Good Faith Estimate explaining how much your medical or mental health care will cost.

Under the No Surprises Act (Section 2799B-6 of the Public Health Service Act), health care providers are required to give uninsured or self-pay clients an estimate of expected charges for non-emergency services, including psychotherapy.

This notice applies to therapy clients only.
Consultation clients (therapists seeking EFT supervision/consultation) are not considered patients under this law, but may request cost information at any time.

What is a Good Faith Estimate (GFE)?

A Good Faith Estimate outlines the anticipated cost of services you may receive, such as:

  • Weekly or twice-monthly therapy sessions

  • Individual, couple, or partner therapy

  • Extended sessions or intensives (if applicable)

The estimate will include:

  • The number of expected sessions (if known)

  • The cost per session

  • Any additional anticipated fees (e.g., documentation you request, extended sessions)

Therapy fees at Teri Murphy Counseling are transparent and listed on the Services page. GFEs are meant to help you budget—not to lock you into treatment or guarantee outcomes.

When Will I Receive My Good Faith Estimate?

You will receive your GFE in writing:

  • At least 1 business day before your first scheduled session, if your appointment is scheduled at least 3 business days in advance

  • Within 3 business days of scheduling, if your appointment is more than 10 days out

  • Upon request at any time, even if you have not yet scheduled

You may request a new GFE at any point during treatment.

What If Actual Costs Change?

Your GFE outlines anticipated costs.
Actual total costs may differ depending on:

  • The length of therapy

  • Changes in frequency

  • Clinical need

  • Your personal goals

If your actual charges exceed the GFE by $400 or more, you have the right to dispute the bill through the U.S. Department of Health & Human Services (HHS).

How to Dispute a Bill

If you believe you were billed more than $400 above your GFE, you may file a dispute.

To dispute a bill, you must:

  • Keep a copy of your Good Faith Estimate

  • File your dispute within 120 days of receiving the bill

  • Pay a small administrative fee (currently $25) for HHS to review the dispute

If the dispute is successful, fees may be adjusted.

Where Can I Learn More?

Visit: www.cms.gov/nosurprises
Call: 1-800-985-3059

Request Your Good Faith Estimate

You may request a personalized Good Faith Estimate at any time by contacting:

teri@terimurphycounseling.com