Payments and Insurance


Initial Paperwork

You will be able to fill out the electronic intake paperwork  after you schedule your appointment by clicking here  

Private Pay Fees for Kinga Gudor, PhD, LCSW: 

$125 for 60 min individual counseling 

$100 for 45 min individual counseling

$145 for 60 min couple/ marriage counseling 

$125 for 45 min couple/ marriage counseling 

Private Pay Fees for Kelly DiGuilio, LCSW, Substance Abuse Counselor:

$80 for 45 min individual or couple/ marriage therapy 

$100 for 60 min individual or couple/ marriage therapy

 Kelly  only takes Optima currently  ( including  EAP, Medicaid). She has late evening and weekend hours. 


Please make sure you choose the correct location  (Norfolk, Nags Head, or Online ).  and the therapist of your choice when you schedule online here  

Please email to to inquire about an appointment  if you have a hard time using the scheduling link. Please specify the location of your appointment ( Norfolk, Nags Head or Online) when you email. 

Family Therapy  through insurance

Insurance rarely pays for marital or couple therapy.  Instead, one partner will be identified as the “identified patient” and will receive a mental health diagnosis ( if meets the requirements).  The insurance company will then authorize conjoint treatment ( Family Therapy) for that person and his/her partner.


The benefits of electing to pay privately

Clients who have insurance may elect to pay privately. There are several benefits to receiving mental health services by paying privately. Some of these benefits are:

The Benefit of Privacy

Insurance companies have numerous people examining your files at various stages: people who authorize payment, track your progress, audit psychotherapy practices. By not involving your insurance company your private personal information stays in my office. I’m the only person who has access to it except under specific circumstances which are outlined in my Practice Policy and discussed in our first session.

The Benefit of Protection

In order for insurance to reimburse your treatment you will receive a mental health diagnosis that goes in your permanent medical record.  This diagnosis constitutes a “pre-existing condition” that may be a disqualification from benefits in the future or may otherwise interfere with your coverage if you change plans.  Once you have used health insurance for mental health care you will also have to disclose your treatment history if you apply for life insurance and in certain other circumstances such as service in the military.

Payments and Insurance 

Co-pays/deductibles  are billed at the end of each session. I accept cash, checks, Paypal, Venmo, Credit Card, FHA

I take most insurances for individual  counseling in Virginia. Couple therapy is not covered by insurance.  You will see the pricing once you click on the scheduling link here  

I am an In-network  Provider for the following insurance plans in Virginia: 

  • Humana/Tricare Standard
  • Humana/Tricare Prime
  • Humana Behavioral Health
  • Anthem Healthkeepers
  • Anthem Healthkeepers Plus
  • Anthem Blue Cross 
  • Aetna ( except Open Choice )
  • Optima
  • Optum
  • United Health Care
  • Medicare
  • Medicaid ( Optima, Anthem )
  • MedCost 
  • EAP
  • Military One Source 
  • Beacon Health Options 
  • Cigna

In North Carolina I am credentialed with limited insurance companies such as:

  • Optima
  • Blue Cross Blue Shield  ( for Online Therapy  only )
  • Optum
  • Medicare
  • Value Options
  • Beacon Health Options
  • Humana/Tricare
  • Military One Source
  • Aetna
  • Cigna

 For the insurance providers that I am not credentialed with,  I will give you a detailed receipt you can use to file a claim.


If you choose to use your insurance, please call your insurance company to find out the following information:  

  • if you need an authorization for treatment (if so, they will give you an authorization number to bring with you); You will will an authorization for EAP and Military One Source
  • what your deductible or copay amount is;

If you do not obtain an authorization and one is required, you will be responsible for the entire balance.

If your health insurance carrier allows you to choose an out-of-network provider, I will gladly provide you with a monthly statement so that you can seek reimbursement from your insurance provider. 

Missed Appointments and Cancellation

 Weekday, regular working hours  appointments cancelled less than  48 hours from the scheduled appointment time will be billed at $50 late cancellation fee. Monday appointments must be cancelled on the Friday prior to your appointment. 

No show appointments  or appointments that were cancelled less than 48 hours in advance and were scheduled weekdays  at 8 am or at 5 pm and later, or  on a Saturday, will be charged at full cost.

If you arrive are late, we will meet for the remainder of the scheduled session. If you are more than 15 minutes late, and I have not heard from you, I will assume you are not coming and I may then be unavailable for the session. 

schedule an Appointment


Pay with PayPal or a debit/credit card

 Please contact me to discuss the cost of the session.

 I also provide Online therapy.