Frequently Asked Questions 

What Is Sex Therapy?

Sex Therapy is a specialty within Psychotherapy and Mental Health which focuses on the treatment of concerns related to Human Sexuality and Gender.

Megan will use Sex Therapy to help you discuss and find solutions to the issues or concerns you are experiencing. Clients will collaborate with Megan to create a specific treatment plan to meet your goals. Megan may refer you to other specialists to assist in your treatment.

Treatment often involves the use of books, video, photographs, diagrams, or models to assist a clients during their treatment. Often, during Sex Therapy, homework will be assigned for the individual or partner(s) to use at home. Homework can vary in the level of communication and touch, either with oneself or with their partner(s).

No physical contact will occur, on site or off site, between clients and Megan. There is no nudity involved in treatment. 

No video or audio recording will be permitted during Sex Therapy or Psychotherapy sessions.

What Is A Clinical Sexologist?

A Clinical Sexologist is a term for a Mental Health Clinician that specializes, or practices, within the field of Human Sexuality and Gender.

Megan has received extensive education, training, and clinical supervision to provide Sex Therapy to clients.

What is an LMHC?

An LMHC is a Licensed Mental Health Counselor.

Megan has received extensive education, training, and clinical supervision to provide therapy.

Megan attended a Master’s program in Clinical Mental Health Counseling that was accredited by the Council for Accreditation of Counseling and Related Educational Programs (CACREP).

In addition to her Master’s degree coursework, she completed a 100 hours of practicum, 600 hours of internship, and 300 hours of advanced internship in Mental Health Counseling while receiving clinical supervision. 

Megan then took, and passed, the National Counselor Examination (NCE) which is administered by the National Board of Certified Counselors (NBCC) in order to graduate with her Masters in Clinical Mental Health Counseling. 

Megan earned 3000 hours of supervised clinical practice and accrued 100 hours of clinical supervision. 

In order to become fully and indepdently licensed, Megan took the National Mental Health Counselor Examination (NMHCE) as administered by the National Board of Certified Counselors (NBCC). 


What Are Your Business Hours?

Business Hours

  • Monday        9 am to 6 pm
  • Tuesday*      2 pm to 6 pm
  • Wednesday  9 am to 6 pm
  • Saturday*     9am to Noon
  • Sunday^        9am to Noon 

*Tuesdays Saturdays will alternate. These appointments are offered every other week. 

^Sunday appointments are offered once per month.

While Bloom Behavioral Health strives to make accessible hours for clients, weekend and evening appointments are not guaranteed.  Scheduling and availability will vary from week to week.

What Are Your Rates?

Session Rates

  • Individual Session: $145
  • Couples/Family/Group Session: $175

Sessions are 50 minutes in length. 


How Do I Contact You To Schedule?

Contacting Bloom Behavioral Health To Schedule An Appointment

You can send an appointment request via email using the “Contact” feature below. 

Bloom Behavioral Health will make every effort to return your messages via email or phone within five business days. 

What Payment Methods Do you Accept?

Payment Methods

Bloom Behavioral Health accepts the following payment methods: Visa, Mastercard, American Express, Discover, and Health Savings Account (HSA).


Out Of Network Reimbursement

Out Of Network Reimbursement

Bloom Behavioral Health does not submit claims, or bill, to out of network insurance plans. Clients will pay the full fee at the beginning of their session. Clients can choose to submit a Superbill to their insurance company for potential reimbursement.

To determine if you qualify for reimbursement, check if you have out-of-network benefits. When you verify your out of network benefits with your insurance carrier, you may want to ask:  

  • How much is my deductible?
  • How many sessions are allowed per year?
  • What percentage, or dollar amount, is allowed for reimbursement per session?
  • Do you cover CPT codes 90847 and 90837?
  • Do you reimburse for the diagnostic codes F43.20 Adjustment Disorder and Z63 Relational Distress with a spouse/partner?
  • Do I need a prior authorization or a referral from my Primary Care Physician?
  • How do I obtain reimbursement from my Insurance?

Why Are You Out Of Network?

Out Of Network

Bloom Behavioral Health is becoming an Out-Of-Network provider with insurance companies.  

Bloom Behavioral Health strives to protect your privacy. The only way we can protect your privacy is to pay privately and not use insurance. Feel free to read more about this below!

Why Did Bloom Behavioral Health Choose To Be An Out Of Network Provider? 

Bloom Behavioral Health made the decision to leave insurance panels because Sex Therapy, Sexualities Education, and Mental Health Therapy requires confidential and sensitive information to be disclosed in sessions.

Understandably, many clients want to use their insurance/benefits for sessions. However, we feel that using insurance often poses more risks than benefits to the client. 

Below is a summary of the reasons Bloom Behavioral Health does not accept, or submit claims to, insurance. Additionally, Bloom Behavioral Health is detailing these reasons to help you, as the client, have important information before attempting to use your insurance for counseling services with other mental health providers.

  1. Insurance Companies Require A “Client” To Be Identified.

In therapy, there can only be one identified client that has a diagnosable mental health issue. For couples, family, or group therapy this poses a dilemma. Typically, in couples’ sessions the “client” in therapy is considered to be the “relationship” between the people, not an identified person. This means couples counseling is often not covered by insurance companies.  

  1. A Diagnosis is Required.

Insurance requires a diagnosis from the DSM-5 in order to have mental health treatment covered. For a diagnosis to be made, the symptoms must cause “clinically significant distress or impairment in social, school, or other important areas of functioning” (APA, 2013). However, Bloom Behavioral Health does not wish to diagnosing clients with sexual dysfunctions, paraphilias, gender dysphoria, etc. for insurance purposes. Additionally, Bloom Behavioral Health does not want a client to define themselves based on their diagnoses. 

3. A Diagnosis Is Permanent Within Your Medical Records. 

A mental health diagnosis, once submitted to insurance, stays in your permanent medical record. Some diagnoses may be considered a pre-existing condition. Diagnosis have the ability to impact access to federal jobs, military work, aviation work, health care jobs, life insurance policies, obtaining new health insurance plans, etc. Also, because other providers can access these diagnoses in your medical record, Bloom Behavioral Health cannot assure that you will receive competent treatment from other providers.  

4. Insurance Companies Only Allow “Medically Necessary” Mental Health Treatment.

The insurance company gets to determine if your mental health condition or diagnosis is “severe” enough to qualify for services to be covered. Many people utilize Sex Therapy and Sexuality Education for concerns that are not deemed “medically necessary”.

5. Some Services May Not Be Covered.

Some insurance companies will not cover couples, family, or group counseling. The billing CPT Code for family therapy or the diagnosis of a Z-Code may not be a covered service. (Z-Codes are used when the presenting issue in therapy does not qualify as a mental health diagnosis.)

6. Lack Of Privacy.

There is virtually no privacy when it comes to insurance companies and your therapy sessions. Bloom Behavioral Health would be required to disclose your confidential and private psychotherapy notes, diagnoses, presenting symptoms/concerns, treatment goals, and other sensitive information which can jeopardize your privacy and confidentiality. 

7. Insurance Delays Invoicing. 

For Bloom Behavioral Health, the process of submitting claims, tracking claims, pursuing payments, calling insurance companies, making authorization requests, and proving medical necessity can take anywhere from two to six+ weeks to complete. As a result, clients using insurance may not be billed in a timely manner for the services provided.


Your mental health treatment is important to Bloom Behavioral Health. We feel that Out Of Network services provides better outcomes for our clients treatment. 


Do You Offer Fee Reduction If I'm In Need Of Services?

Reduced Fee Scholarships

We feel everyone deserves access to mental health care and specialized treatment.

Therefore, Bloom Behavioral Health reserves a set amount of reduced fee sessions for clients in need. However, sessions are limited.

Please contact Bloom Behavioral Health to obtain more information.


What Is The Policy For Rescheduling, Canceling, or No-Show Appointments?

Late Cancellation, Rescheduling, and No-Shows

A client that cancels, reschedules, or no-shows a session with less than 24 hours notice will be required to pay the full fee for the session.The client is responsible to pay the full fee prior their next session.

Where Is Your Office Located? Where Do I Wait For My Appointment?

Office Address

600 E. Carmel Drive, Suite 146 

Carmel, Indiana 46032

The office is located inside Yeager Office Suites in Carmel which is near the intersection of Keystone Parkway and East Carmel Drive.

When using Google Maps or GPS, search “Yeager Office Suites of Carmel”,  or “Bloom Behavioral Health” in Carmel, for accurate directions. 

Arriving for your Appointment

When you arrive for your appointment, please have a seat in the lobby near the front desk.

Megan will come out to meet you at your appointment time.

Is Therapy Confidential?

All therapy sessions are confidential. Confidentiality means that protected information about a client, including the information a client shares in therapy, cannot be disclosed to others without written consent from the client. 

However, the parent or guardian of minor clients will be able to obtain certain information about the client. 

There are three exceptions where the clinician must break confidentiality: 

1. Suspicion and/or knowledge about any form of child, elder, or dependent adult abuse. This includes currently, or in the past, viewing, storing, taking, or distributing child pornography.

2. Threatening to harm other person(s).

3. Threatening to hurt yourself.

If any of these exceptions occur while a client is in treatment, confidentiality will be broken and appropriate measures will be taken to ensure the safety of the client and others.  

How Do I Get Started?


Free 15 Min Chat

Contact Megan below to schedule your phone consultation.

Book Appointment

Contact Megan via email to schedule your first appointment.


Find Megan on Facebook, Instagram, Psychology Today, and OutCare.

Contact Bloom Behavioral Health

At this time, Bloom Behavioral Health is only accepting new clients that are Self-Pay or using Out Of Network benefits.

If you have Anthem BCBS as your primary insurance plan, please check back in 4 to 6 weeks. 

Email Bloom Behavioral Health below to discuss appointment availability. Please provide your name, email address, and phone number with your message. You should receive an email response within five business days.

For Mental Health Emergencies call 911 or visit your nearest hospital. 

(317) 344 - 8619

600 E Carmel Drive, Suite 146 Carmel, Indiana 46032