Q: Do you take insurance? What forms of payment do you accept? A: I accept payment for the exact amount only; gratuities/tips are graciously declined for all Youniversoul services. The preferred payment method is via credit or debit card (VISA, MasterCard, or American Express). Please note that charges will appear on your bank statement under "Youniversoul". Checks are accepted, made payable either to “Adele Cox, MA, CMT” or “Youniversoul” (your choice). A $25 processing fee is charged for checks returned by the bank. Monthly direct-client billing and/or on-line payment (via Paypal) are available by special arrangement; be sure to arrange with Adele before commencement of services. Cash is strongly discouraged. Payment is preferred at the beginning of the session, but must be submitted prior to the end of the same session. Receipts for services are available upon your request. Since I do not make medical or mental health diagnoses that can be tracked by an insurance administrator, the work I do is not covered by standard medical insurance (i.e., HMO, PPO). However, as health care plans vary, it is best to check with your provider and determine if my services are covered under "Complementary and Alternative (CAM)" plan or "out of plan provider" support. Also, if you have a Health Savings Account (HSA) or a Flexible Spending Account, check with your account representative to find out if my services qualify under your plan's health and wellness coverage. You may also be able to deduct your fees as a medical deduction on your Federal income tax; check with your tax advisor.