Faith-Based, Donation-Based Counseling & FSA/HSA Contributions Allowed
As a Christian faith-based counseling organization, we do not currently accept insurance, but we do take FSA & HSA
Why No Insurance
We operate free from the moral or theological restrictions placed on therapists by government licensing and insurance agencies. Our biblical counseling approach focuses on spiritual truth, inner healing, and relational transformation rather than on clinical diagnostic frameworks such as the DSM-5.
Most insurance-based therapists charge $250 per session and require a $40–$60 co-pay. In contrast, our suggested contribution for a full session starts at just $90.00.
Our counseling sessions are offered on a sliding scale, with a suggested contribution of $90 to $180 per 50-minute session. We believe everyone deserves access to compassionate care, regardless of financial circumstance.
Due to rising operational costs—and because our rates have remained well below industry standards—it has become necessary for us to move fully to a sliding-scale model. This approach helps sustain fair counselor compensation and ensures we can continue to cover essential expenses, including office space, insurance, legal compliance, and administrative support.
Full or partial scholarships may be available for families earning under $39,000 per year, as well as for those who have experienced recent financial hardship or special economic challenges despite higher earnings in previous years. A household includes everyone living together who shares income and expenses such as rent, food, and utilities.
We deeply value your honesty and partnership when selecting your suggested, tax-deductible contribution rate or FSA/HSA Contribution Intake Appointment Request. Your support enables us to serve individuals and families in need while maintaining a sustainable, mission-driven practice.
🌿 Suggested Contribution Guide for Christian Counseling (50-Minute Sessions)
(Effective October 15, 2025)
| Household Income | Suggested Contribution per 50 Minute Session | Notes |
| $1 – $39,999 | $90 | Those in this range are encouraged to apply for scholarships. Awards may cover a full or partial amount. Apply here → |
| $60,000 – $79,999 | $100 | Standard suggested rate |
| $80,000 – $119,999 | $120 | Sustainable operations rate |
| $120,000 – $149,999 | $140 | Supports ministry growth and staff development |
| $150,000 – $299,999 | $150 | Helps fund scholarships for lower-income clients |
| $300,000 and above | $180 | Contributes to outreach, training, and expansion |
If you have any further questions about payment options or would like to check your eligibility for a scholarship, please don't hesitate to contact us. We're here to help!
Christian Counseling Now Accepting FSA & HSA Payments
Impact Family Inc., a 501(c)(3) Christian nonprofit, is now welcoming clients who wish to use their Flexible Spending Account (FSA) or Health Savings Account (HSA) for professional counseling. We believe emotional and spiritual wellness should be accessible to everyone, and our team provides both virtual and in-person sessions through a secure, HIPAA-compliant platform.
Faith-Based Care That’s Accessible
Our counseling services operate on a sliding scale, with a suggested contribution of $80-$180 per 50-minute session. We recognize that every household’s situation is different, so if your combined annual income is under $39,000, you may qualify for a partial or full scholarship. A “household” includes everyone living together who shares income and expenses such as rent, food, and utilities.
We depend on clients to choose their contribution rate honestly. All suggested contributions are considered tax-deductible to the extent allowed by law, and FSA/HSA payments are accepted for eligible services. These funds allow us to extend Christ-centered, Bible-based counseling to individuals, couples, and families seeking healing and wholeness.
Understanding FSA & HSA Payments
Using your FSA or HSA for counseling means you are paying for a qualified medical expense with pre-tax dollars. These payments are not considered charitable donations and are typically not tax-deductible as contributions. However, they provide significant savings since they use funds set aside before taxes.
If you choose to give beyond the fair value of your counseling session as a contribution to our ministry, that portion may be tax-deductible under IRS guidelines. We encourage you to consult a tax advisor to understand how these rules apply to your situation.
How to Begin
We’ve made it simple to get started. Choose the income range that best represents your household below, then submit an intake request and pick a schedule that works best for you. When you do, the booking system will verify your FSA/HSA debit card and eligibility. The intake counselor will help you select the right counselor for your needs.
If your household qualifies for scholarship assistance, you can request a scholarship online before you set up the intake. Our mission is to ensure that finances never stand in the way of care and transformation.
Sliding Scale Contribution Guide
|
Household Income |
Suggested Contribution per Session |
Intake Request |
|
$1 – $39,999 |
$90 |
Request Intake | This income level qualifies for a scholarship. Request Scholarship |
|
$60,000 – $79,999 |
$100 |
|
|
$80,000 – $119,999 |
$120 |
|
|
$120,000 – $149,999 |
$140 |
|
|
$150,000 – $299,999 |
$150 |
|
|
$300,000 and above |
$180 |
Tax-Deductible Contributions
Because we are a registered 501(c)(3) nonprofit, out-of-pocket contributions to Impact Family Christian Counseling & Wellness are considered tax-deductible donations.
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Your booking confirmation email serves as your official donation receipt
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You may use this for your end-of-year tax filings
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For more details, view our IRS Tax Exempt Certificate:
We always recommend consulting with a licensed CPA to understand how these donations may apply to your individual tax situation.
Financial Assistance is Available
If you're experiencing financial hardship, we offer scholarships to help you receive care.
Summary
| Category | Details |
|---|---|
| Insurance Accepted? | No – We do not bill insurance or provide clinical diagnosis codes |
| HSA/FSA Reimbursement? | No. Only debit cards. |
| Session Contribution Amount | Starts at $90 per session |
| Tax-Deductible? | Yes – Contributions are donations to our 501(c)(3) nonprofit |
| Financial Assistance? | Yes – Scholarships are available. |
Ready to Start?
If you have any questions, our team is here to help at support@impact.vision.