Rates  & Insurance Information 


Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost

Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises

Tristar Counseling

I currently take the following Insurances for

In Network Treatment::


* Please contact your insurance carrier to determine and verify your benefits, co-pays, percentage responsibility, and deductibles. *


** There is no guarantee that insurance will cover treatment expenses. **

*** Any uncovered costs will be the responsibility

of the client at the time services are provided. ***

Specific Questions to ask your Insurance Provider::

​​~ Do I have mental health insurance benefits?

~ Is Jennifer L Kos, PsyD, LPC, LPCCS of 
Tristar Counseling ::

   Beaver, PA 15009 in network? 

~ What is my deductible (if any) and how much of it has been met?

~ What is my copay and / or co-insurance per session?

~ How many sessions does my health insurance cover?

~ Is Telehealth covered, for how long and are copays waived or continued during COVID19 restrictions? 

~ What is the time frame of my coverage (from what month to what month so that you know when your deductible starts again - many do not start in January) ​


I am licensed in Pennsylvania (LPC) and Ohio (Psychologist and LPPCS) therefore I am only able to provide treatment for individuals residing in those two states. 



In PA:


Highmark BCBS

Highmark Keystone

​Highmark Community Blue PPO


​United / Optum Healthcare

In Ohio::




Anthem BCBS




To schedule a session a credit card will need to be put on file.


It will not be billed unless / until a session has been completed and only if there is a balance due according to the agreed upon self pay rate, co-pay, or % of session fee as described by your insurance. The fee will automatically be charged at the end of the billing day. 





Payment will be expected at the end of session via a credit card held on file. I will provide you with a  superbill after payment  that you can submit to your insurance company for direct reimbursement or to go towards your deductible. This allows you to have complete autonomy in regard to who has information about your treatment and allows me to provide immediate treatment options. 

Please check with your insurance company to determine Out Of Network (OON) options, if any, and what type of reimbursement options you will have.  I cannot guarantee that services will be covered or reimbursements offered by your insurance. 






Self - pay is a direct payment that you control completely. This is the only way to ensure that no one else will have access to your information. A sliding scale will be considered for self- pay clients if necessary. 










Psychological Diagnostic Evaluation (Initial Intake Session)
60 - 120 minutes at $175

Psychotherapy (hour)
55 minutes at $150

Psychotherapy (¾ hour)
40 minutes at $125

Group Therapy (Must have minimum of 4 members present) 
55 minutes at $50


LATE CANCEL // NO SHOW ~ (A late cancel is any cancellation within 24 hours of your scheduled appointment - Please give at least 24 hours notice of a cancellation to allow for that booked hour to be rescheduled.)

$50 for any Late Cancel (within 24 hours of scheduled appointment)

or Missed Appointment 


$150 per 60 minute hour
~ reduced fees for students will be considered