Friday

So You Want to Bill Insurance (as a client)

If you plan to use insurance benefits for mental health, you might want to read this article first. What Your Therapist Hasn't Told You About Using Insurance.  Go ahead, this can wait!

Okay, if you still want to use insurance benefits for mental health, here's how to do best that.

How To Bill For Therapy (In-Network or HMO)


1. Confirm your benefits
Some clients are surprised to learn that their insurance doesn't cover therapy, or only covers a few sessions, or requires a high co-pay or deductible. Some clients at our nonprofit have insurance but still choose the nonprofit because in the long run, it is less money. Be certain of your benefits before you start. Document everything in case you need to challenge them later.

2. You will need a list of therapists
...who are approved by your insurer. Use google or yelp to weed out the ones that are a bad fit for your. Narrow it down to a few and then contact them to see if they have any openings. Confirm your chosen therapist is still "In-Network" with your insurance, because sometimes those lists are outdated and you don't want to work this hard to find out they aren't covered.

3. Follow the therapists instructions
An in-network therapist is under contract with your insurance and therefore should be able to take it from here. Each insurance company has a unique billing process, allowable amount and treatment plan requirement. I couldn't cover them all here. In-network therapists might collect a deductible amount or co-pay. Double check that ahead of time with your insurance company as well as your therapist so there are no surprises. 


When possible, I highly recommend you utilize your PPO and find an out-of-network therapist. This gives you far more freedom of choice- and finding a therapist who "clicks" with you is very important to therapeutic success. "Goodness of fit" is a big deal, as is specific training and experience relevant to your needs.

How To Bill For Therapy (Out Of Network)

1. Confirm your benefits.
Once you have identified your therapist of choice (freedom!), and their fee, call the number on the back of your insurance card. Ask to confirm your out of network therapy benefits. The medical billing code for individual therapy is 90837. Once they have told you your benefits- document their answer as well as the customer service representative's name or ID number in case you need to challenge them later.

2. Pay for therapy at time of service.
This means your therapist works for you (not the insurance) and any billing issues are between you and your insurance, and within your power to address.

3. Get a "Super Bill" from your therapist.
This is just a fancy name for documentation of sessions. It will include the therapist's license, NPI number, your billing codes and diagnoses codes. Mail this to the address provided by your insurer. Again, document all of this. Your reimbursement may require you to follow up and you will need to know what you sent and when.

4. Expect to wait.
A standard length of time of 30 days from receipt. I have seen clients wait longer. This is why your own records are very important. Keep track of sessions and charges that are accruing. Your therapist can also hep you by providing session summaries if you need.

5. When you receive payment, compare to notes
Your check should include session dates and charges, as well as what you were paid. Compare this to what you were promised. Sometimes there is a difference. Cross off session dates on your records as they are paid. It is common for insurers to "skip" some dates in repayment and you will need to be able to catch them because...

6. There is a "window" of appeals
If something is incorrect (or you don't receive a response) there is often a window of time for you to challenge the company. If that time lapses (sometimes 30 days, sometimes 6 months) your appeal will be considered "forfeit" and you might lose your leverage. If they skip a payment or pay incorrectly or fail to respond, do not allow more than 3 weeks to pass before you contact them. Ensure that they have each session date you sent. Even if all they say is "we are working on it"... document that as well. This protects you from any "lost" submissions on their end.


My hope is that most of this is unnecessary caution. There are plenty of clients who submit their Super Bills and get reimbursed without any headache. But for those who need a little more structure, I hope this helps provide you with steps that will make mental health more accessible.

Still hoping for an easier way,



24 comments:

  1. I want to say a big thanks to Dr. Jakiki for helping me to win the lottery. I won ($1,000,000.00)

    I never thought i will share a testimony with so much joy in my heart today, years has gone by without a fruitful reward over playing the lottery daily,i have spent a lot on tips on how to win the lottery,but when i came across Dr.Jakiki my life change for good. I requested a lottery spell,and he cast the spell and send me the winning lottery number. Now i am a proud lottery winner with the help of Dr.Jakiki. I won $ one millions dollars and I am making this known to every one of you who have been trying all day to win the lottery, believe me this is the only way to win the lottery with better price amount, this is the real contact we all have been searching for. Contact him now:

    Spellcasthome@gmail.com or Spellcasthome@yahoo.com His web site: http://spellcasthome.blogspot.com

    Text or call him now: +1 (402) 892-2486

    ReplyDelete
    Replies
    1. Greetings to the general public, i want to inform the public how i was cured of HERPES Simplex Virus by a man called Dr Azuka. i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Dr Azuka cured them. I was scared because i never believed in the Internet but i was convince to give him a try because i was having no hope of been cured of HERPES so i decided to contact him on his email that was listed on the comment ( Dr.azukasolutionhome@gmail.com ) i searched his email on net and i saw a lot of people testifying about his goodness. when i contacted him he gave me hope and send a Herbal medicine to me that i took and it seriously worked for me, am a free person now without problem, my HERPES result came out negative. I pray for you Dr Azuka God will give you everlasting life, you shall not die before your time for being a sincere and great man. Am so happy, you can also contact him if you have any problem Email : DR.AZUKASOLUTIONHOME@GMAIL.COM

      DR AZUKA CAN AS WELL CURE THE FOLLOWING DISEASE:-

      HSV 1 & HSV 2
      ASTHMA
      DIABETES
      EPILEPSY
      CANCER
      INFERTILITY
      STAPHYLOCOCCUS.
      BARENESS
      HEPATITIS B
      PENIS ENLARGEMENT
      ALS

      Delete
    2. My name is Rebecca Zachary this was how a spell caster named Dr Adudu help me in winning $40 Million, I saw his clients sharing his testimony on a blog, On how he helped him win a mega million, so i whats-app him on +27710706895 , and I told him that I was having financial problems, that I will be needing to win , and that I needed a lottery spell, In order to win and pay of my bills and debts, after I told him all my problems, he asked me what kind of Lottery do they play over here in UK, I told him, POWER BALL , MEGA MILLION and so many others and he gave me some few steps to take, after some days, he gave me few numbers to play, to me the money was just too much, I said to myself it impossible for me to win this amount, but to my greatest surprise the next day I got there, they confirmed me winning the sum of $40 Million I was the most excited person alive that very day, now with the money I got my bills paid and my debt cleared also, all my thanks to Mr. Adudu the spell caster, Email him on (draduduspelltemple@gmail.com) or whats-app him on +27710706895 or also contact his Website:http://draduduspelltemple.wixsite.com/dradudu . He hates to be doubted so NEVER YOU DOUBT HIM.

      Delete
    3. Contact Dr BEN now for Lottery Spell winning numbers or Text him on his whasapp +2347036726700

      My heart was filled with Joy and happiness when i won $ 30,000 All thanks goes to Dr BEN for his good work he did for me that make me won. He help me to won a big money that change my life and my family. It has been hard for me to earn a living over the years of hard labor and suffering. I always pray to God to help me find a way to hit the lottery, because that was all i put my hope on. i always play the lottery daily, buy different lottery tickets, pay for online tips and others, but all was in vain,no good result,until a day i find this great man Dr. BEN on the internet,he is a magic voodoo Doctor, who help to cast the lottery spell, as was describe in the article. I contacted him too because i want to hit the lottery,Dr.BEN help me to cast the spell,and behold i won ONE MILLION DOLLARS Dr. BEN truly you are the best and your spell is genuine and cost no harm. I got my bills paid and my debt cleared. Guys contact him for your winning numbers today because he is the only Voodoo doctor here in United States that can help you. voodoospelltemple80@gmail.com

      Text him on his whasapp: +2347036726700



      Contact Dr BEN now for Lottery Spell winning numbers or Text him on his whasapp +2347036726700

      My heart was filled with Joy and happiness when i won $ 30,000 All thanks goes to Dr BEN for his good work he did for me that make me won. He help me to won a big money that change my life and my family. It has been hard for me to earn a living over the years of hard labor and suffering. I always pray to God to help me find a way to hit the lottery, because that was all i put my hope on. i always play the lottery daily, buy different lottery tickets, pay for online tips and others, but all was in vain,no good result,until a day i find this great man Dr. BEN on the internet,he is a magic voodoo Doctor, who help to cast the lottery spell, as was describe in the article. I contacted him too because i want to hit the lottery,Dr.BEN help me to cast the spell,and behold i won ONE MILLION DOLLARS Dr. BEN truly you are the best and your spell is genuine and cost no harm. I got my bills paid and my debt cleared. Guys contact him for your winning numbers today because he is the only Voodoo doctor here in United States that can help you. voodoospelltemple80@gmail.com

      Text him on his whasapp: +2347036726700

      Delete
    4. STOP CRYING AND SEARCHING FOR LOVE SPELL CASTERS ONLINE SEEK NO MORE FOR YOUR SOLUTION, RESTORE YOUR MARRIAGE AND RELATIONSHIP NOW WITH THE HELP OF DR OGUDU SPELL TEMPLE
      EMAIL ADDRESS [OGUDUSPELLCAST@GMAIL.COM]
      WHATS-APP NUMBER +2348106058254
      BLOG PAGE https://oguduspellcentre.blogspot.com

      It all started last year May when my husband visited Switzerland for a Programmed which lasted for two months, When my husband returned home i noticed some changes in hist character towards me and the kids, Everything i do to make him happy he gets irritated and nags at random, leaves home and comes back late, Sooner he seek for a vocation alone to Switzerland again which i granted thinking that will make him happy but to my greatest surprise i never knew that was the end of our marriage if not for Dr Ogudu the marriage savior, Sincerely i was so crushed when my Husband of 6 years left me and moved to Switzerland to be with another woman.The pains was just too much for me to bear that I couldn't just bear it anymore. So i had to reached out to the Internet for help until i found out that Dr. Ogudu was the real deal.. I had tried the whole lot I knew, and with your spells, blessings and extraordinary magical powers, you did all the work for me, which you have guaranteed me positive result in 48 hours, my Ex Husband came back to me and he was remorseful for the whole lot he has done And now my life is balanced and i am happy again. All thank to you sir you contact him via email and website now

      [OGUDUSPELLTEMPLE@YAHOO.COM]
      whatsapp number +2348106058254
      BLOGGER PAGE........https://oguduspellcentre.blogspot.com



      Delete
    5. Hello my name is Dawn Kayla,am from Thailand. I was straight away after Dr. Jatto cast the Lottery spell for me, I felt enveloped by the control of the spell. This spell change my life into riches. I am now out of debts and experiencing the most amazing good luck with lottery after i won a huge amount of money. I have more luck now than I ever had in my life. i won $ 2 million us dollar. Your Lottery spell made wonders, I can't believe it. Thank you so much sir for dedicating your time to cast the Lottery spell for me.”I am eternally grateful for the lottery spell dr. jatto did for me. You can email him for you own lottery number. his via web sit:http://drjatto.website2.me or his email:drjattolovespelltemple@gmail.com or drjattolovespelltemple@yahoo.co.uk or his Mobile:+27832193146.

      Delete
  2. I want to say a big thanks to Dr. Jakiki for helping me to win the lottery. I won ($1,000,000.00)

    I never thought i will share a testimony with so much joy in my heart today, years has gone by without a fruitful reward over playing the lottery daily,i have spent a lot on tips on how to win the lottery,but when i came across Dr.Jakiki my life change for good. I requested a lottery spell,and he cast the spell and send me the winning lottery number. Now i am a proud lottery winner with the help of Dr.Jakiki. I won $ one millions dollars and I am making this known to every one of you who have been trying all day to win the lottery, believe me this is the only way to win the lottery with better price amount, this is the real contact we all have been searching for. Contact him now:

    Spellcasthome@gmail.com or Spellcasthome@yahoo.com His web site: http://spellcasthome.blogspot.com

    Text or call him now: +1 (402) 892-2486

    ReplyDelete
  3. Hello everyone! Still don’t know the right words to express my Gratitude to the Great Dr.Tsotesi After been diagnosed of HERPES 1 and 2 VIRUS in July, i was given so many health prescription and advice with no improvement, I totally lost hope, until i found many testimonies of Great Dr. Tsotesi in an online research on google, Like anybody would be, I was very skeptical about contacting him, but i later did and he opened up to me and told me what was involved and he started the remedies for my health, i gave him a try and Thank God, i was cured from herpes permanently by the herbal medication I received from him true DHL delivery. I never thought that herpes can be cured, from the bottom of my heart I’m truly grateful,i still do not know how it was cure it highly unbelievable it just just too real to be real i pray you have long life so you can help many more people on earth with your herbal medical support. i advice any one that is living with herpes virus should Contact the Great Dr Tsotesi today, because it has the cure to any problem Email him contact him by Email: drtsotesisolutionhome@gmail.com

    ReplyDelete
  4. After being in relationship with him for seven years,he broke up with me, I did everything possible to bring him back but all was in vain, I wanted him back so much because of the love I have for him, I begged him with everything, I made promises but he refused. I explained my problem to someone online and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back but I am the type that never believed in spell, I had no choice than to try it, I mailed the spell caster, and he told me there was no problem that everything will be okay before three days, that my ex will return to me before three days, he cast the spell and surprisingly in the second day, it was around 4pm. My ex called me, I was so surprised, I answered the call and all he said was that he was so sorry for everything that happened, that he wanted me to return to him, that he loves me so much. I was so happy and went to him, that was how we started living together happily again. Since then, I have made promise that anybody I know that have a relationship problem, I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem and who is different from all the fake ones out there. Anybody could need the help of the spell caster, his email: drosedebamenspellhome@gmail.com you can email him if you need his assistance in your relationship or anything. CAN NEVER STOP TALKING ABOUT YOU SIR HIS EMAIL ADDRESS IS:drosedebamenspellhome@gmail.com CONTACT HIM NOW FOR SOLUTION TO ALL YOUR PROBLEM

    ReplyDelete
  5. Hello everyone! Still don’t know the right words to express my Gratitude to the Great Dr.Tsotesi After been diagnosed of HERPES 1 and 2 VIRUS in July, i was given so many health prescription and advice with no improvement, I totally lost hope, until i found many testimonies of Great Dr. Tsotesi in an online research on google, Like anybody would be, I was very skeptical about contacting him, but i later did and he opened up to me and told me what was involved and he started the remedies for my health, i gave him a try and Thank God, i was cured from herpes permanently by the herbal medication I received from him true DHL delivery. I never thought that herpes can be cured, from the bottom of my heart I’m truly grateful,i still do not know how it was cure it highly unbelievable it just just too real to be real i pray you have long life so you can help many more people on earth with your herbal medical support. i advice any one that is living with herpes virus should Contact the Great Dr Tsotesi today, because it has the cure to any problem Email him contact him by Email: drtsotesisolutionhome@gmail.com add him on whatsapp/Call +27653716382.

    ReplyDelete
  6. Hello,


    My dear brothers and sisters, My name is Pastor Louis Suleman.I am the general Overseer of the Church of Christ Foundation Ministry. I just came across this website while searching for an information on the internet and i found out that there are a lot of where to get a loan this LAST YEAR DECEMBER 2017 to start up a business or expand their existing business. My Godly conscience will not allow me to keep quiet and not to direct people to a genuine place where i got loan from a foreign private loan company with just 2% interest rate without stress bypassing the rigorous processes of our local commercial banks. Sometimes late LAST MONTH when we where looking for funds to expand our church. A fellow Pastor directed me to this foreign private loan company where he had also gotten his loan. I was told to contact one of them via ( slivinumarko@yahoo.com ) We applied for an unsecured loan of $650,000USD to expand our ministry and within 48 hours working days, the whole process was completed. When we announced to our church family members after one week that the loan was approved and the note to the local bank had been paid, applause filled the worship center. NO COLLATERAL REQUIRED. NO CREDIT CHECK.The loan application process was explained clearly and [they] walked us through every aspect.So my brothers and sisters while surfing the internet, i decided to stop by and share this information because information they say is power. Who knows, your financial breakthrough this 2018 may just be this little piece of information when acted upon. if there is anyone here looking for a loan, contact them through their email and by the special power of the almighty, 2018 will be your financial breakthrough in thy mighty name of JESUS….GOD BLESS YOU ALL. HURRY NOW AND CONTACT THEM TODAY: slivinumarko@yahoo.com

    ReplyDelete
  7. HOW I GET FREE FROM HERPES AFTER 8 DAYS

    My name is Paulson Hooker,i am from USA.I want to share my testimony on how i get cure of my HERPES GENITAL with the help of Doctor OTIS DARKO, I have being suffering for this disease for a very long time now and I have try several means to get rid of it, but there was no solution to it because my doctor told me at the hospital that herpes has no cure.I have being scam by several people on internet who claim that they have herpes cure.but I never gave up, until I saw a post,posted by JACK WILSON. when I saw her testimony I was happy because she make a statement that the herbal doctor medicine is for free. after reading the testimony,so I collect the herbal doctor email and mail him about my herpes that I need cure and 4 hours later he replied my mail, and told me to send him my details about my self and after that he told me that his herbal medicine is free and that the only thing that I need to do, is to provide money that he will use in getting the herbal medicine preparation done and I told him that he should give me 2/3 days to get the money amd we keep on sending mail to each other and using phone calls to communicate and three days later I got the money that he request for in getting the items and I send it to him he email me that he has purchase the items that he is about to prepare the herbal medicine and after the preparation he send the herbal medicine to me via fedex and he also give me the guide line on how to use the herbal medicine and after using it for 8 days as he told me, then I went for medical checkup at the hospital and I was so surprise that the doctor congratulate me that am now herpes negative and I was so happy because at last am free from herpes and also I want to thank WILSON for using doctor OTIS DARKO to cure my herpes and another testimony is that two of my friend who also have herpes that contacted doctor OTIS DARKO for their own cure have also been cured from herpes and now they are also herpes NEGATIVE like me and if you have herpes or any other disease and you want to get rid of it, DR OTIS DARKO is the best DR to cure it. If you want to be sharing the same testimony that am sharing with other who has being cure by him kindly contact doctor OTIS DARKO via this email: otisdarko60@yahoo.com .... DR OTIS GOT ALL CURE AND REMEDY TO ALL KIND OF SICKNESS YOU MIGHT HAVE BEEN SUFFER FROM AND ALSO SPECIALISES IN THE FOLLOWING:

    (1) If you want your ex-back.
    (2) If you always have bad dreams.
    (3) You want to be promoted in your office.
    (4) You want women/men to run after you.
    (5) If you want a child.
    (6) You want to be rich.
    (7) You want to tie your husband/wife to be yours forever.
    (8) If you need financial assistance.
    (9) Herbal care
    (10) if you are unable to satisfy your wife sex desire due to low err action.
    (11) If your menstruation refuse to come out the day it suppose or over flows.
    (12) If your work refuse to pay you, people owing you.
    (13) Solve a land issue and get it back.
    (14) Did your family Denny you of your right?
    (15) Do you have a low sperm count?
    (16) Are you contesting for any political position in your country?
    (17) Case solves E.T.C

    You are free to contact him at ( otisdarko60@yahoo.com ) ..... CONTACT HIM NOW FOR ALL ANSWERS TO ANY KIND OF PROBLEMS: otisdarko60@yahoo.com...YOU CAN ALSO ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136

    ReplyDelete
  8. How I Got My Ex Husband Back...........
    I am Monique Curry by name. Greetings to every one that is reading this testimony. I have been rejected by my husband after three(3) years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address okutemple@gmail.com, have help a woman to get back her husband and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2 days that i will have my husband back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my husband. Thanks for Dr.oku. His email: okutemple@gmail.com or whatsApp him +15185585724

    ReplyDelete
  9. How I Got My Ex Husband Back...........
    I am Monique Curry by name. Greetings to every one that is reading this testimony. I have been rejected by my husband after three(3) years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address okutemple@gmail.com, have help a woman to get back her husband and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2 days that i will have my husband back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my husband. Thanks for Dr.oku. His email: okutemple@gmail.com or whatsApp him +15185585724

    ReplyDelete
  10. Greetings to the general public, i want to inform the public how i was cured of HERPES Simplex Virus by a man called Dr Azuka. i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Dr Azuka cured them. I was scared because i never believed in the Internet but i was convince to give him a try because i was having no hope of been cured of HERPES so i decided to contact him on his email that was listed on the comment ( Dr.azukasolutionhome@gmail.com ) i searched his email on net and i saw a lot of people testifying about his goodness. when i contacted him he gave me hope and send a Herbal medicine to me that i took and it seriously worked for me, am a free person now without problem, my HERPES result came out negative. I pray for you Dr Azuka God will give you everlasting life, you shall not die before your time for being a sincere and great man. Am so happy, you can also contact him if you have any problem Email : DR.AZUKASOLUTIONHOME@GMAIL.COM

    DR AZUKA CAN AS WELL CURE THE FOLLOWING DISEASE:-

    HSV 1 & HSV 2
    ASTHMA
    DIABETES
    EPILEPSY
    CANCER
    INFERTILITY
    STAPHYLOCOCCUS.
    BARENESS
    HEPATITIS B
    PENIS ENLARGEMENT
    ALS

    ReplyDelete
  11. My name is Rebecca Zachary this was how a spell caster named Dr Adudu help me in winning $40 Million, I saw his clients sharing his testimony on a blog, On how he helped him win a mega million, so i whats-app him on +27710706895 , and I told him that I was having financial problems, that I will be needing to win , and that I needed a lottery spell, In order to win and pay of my bills and debts, after I told him all my problems, he asked me what kind of Lottery do they play over here in UK, I told him, POWER BALL , MEGA MILLION and so many others and he gave me some few steps to take, after some days, he gave me few numbers to play, to me the money was just too much, I said to myself it impossible for me to win this amount, but to my greatest surprise the next day I got there, they confirmed me winning the sum of $40 Million I was the most excited person alive that very day, now with the money I got my bills paid and my debt cleared also, all my thanks to Mr. Adudu the spell caster, Email him on (draduduspelltemple@gmail.com) or whats-app him on +27710706895. He hates to be doubted so NEVER YOU DOUBT HIM.

    ReplyDelete
  12. Contact Dr BEN now for Lottery Spell winning numbers or Text him on his whasapp +2347036726700

    My heart was filled with Joy and happiness when i won $ 30,000 All thanks goes to Dr BEN for his good work he did for me that make me won. He help me to won a big money that change my life and my family. It has been hard for me to earn a living over the years of hard labor and suffering. I always pray to God to help me find a way to hit the lottery, because that was all i put my hope on. i always play the lottery daily, buy different lottery tickets, pay for online tips and others, but all was in vain,no good result,until a day i find this great man Dr. BEN on the internet,he is a magic voodoo Doctor, who help to cast the lottery spell, as was describe in the article. I contacted him too because i want to hit the lottery,Dr.BEN help me to cast the spell,and behold i won ONE MILLION DOLLARS Dr. BEN truly you are the best and your spell is genuine and cost no harm. I got my bills paid and my debt cleared. Guys contact him for your winning numbers today because he is the only Voodoo doctor here in United States that can help you. voodoospelltemple80@gmail.com

    Text him on his whasapp: +2347036726700

    ReplyDelete
  13. STOP CRYING AND SEARCHING FOR LOVE SPELL CASTERS ONLINE SEEK NO MORE FOR YOUR SOLUTION, RESTORE YOUR MARRIAGE AND RELATIONSHIP NOW WITH THE HELP OF DR OGUDU SPELL TEMPLE
    EMAIL ADDRESS [OGUDUSPELLCAST@GMAIL.COM]
    WHATS-APP NUMBER +2348106058254
    BLOG PAGE https://oguduspellcentre.blogspot.com

    It all started last year May when my husband visited Switzerland for a Programmed which lasted for two months, When my husband returned home i noticed some changes in hist character towards me and the kids, Everything i do to make him happy he gets irritated and nags at random, leaves home and comes back late, Sooner he seek for a vocation alone to Switzerland again which i granted thinking that will make him happy but to my greatest surprise i never knew that was the end of our marriage if not for Dr Ogudu the marriage savior, Sincerely i was so crushed when my Husband of 6 years left me and moved to Switzerland to be with another woman.The pains was just too much for me to bear that I couldn't just bear it anymore. So i had to reached out to the Internet for help until i found out that Dr. Ogudu was the real deal.. I had tried the whole lot I knew, and with your spells, blessings and extraordinary magical powers, you did all the work for me, which you have guaranteed me positive result in 48 hours, my Ex Husband came back to me and he was remorseful for the whole lot he has done And now my life is balanced and i am happy again. All thank to you sir you contact him via email and website now

    [OGUDUSPELLTEMPLE@YAHOO.COM]
    whatsapp number +2348106058254
    BLOGGER PAGE........https://oguduspellcentre.blogspot.com



    ReplyDelete

  14. How To Get Your Lost Husband Back and beware of scam only Dr Lucky can help you

    “LOVE is the key to LIFE”. That was the word from Dr Lucky when I consulted his powerful Love Temple. I married the wrong man; I realized that after four years of our unfruitful marriage. Everything was going from Best to Worst in our life, no child, I got demoted from work after our marriage, my husband was sacked a year after. His application for new job in various offices was constantly declined even though he was qualified enough. I was made to take care of my family with the low income I earn get that wasn’t enough to pay our rent. We keep praying a seeking for help from some people, my friends laugh at me behind because I was advised not to get married yet.It was one Thursday night that my husband woke me up and told me that has thought enough about our crisis, he said that our crisis is not ordinary and it’s beyond our spiritual level. He suggested we should consult Dr Lucky from testimonies he showed me online about how he has been helping families. I was afraid, I don’t like evil or spell but I supported him to contact him if he can help us. We consulted him via Realspellcasteronline@gmail.com and he replied positively after 20munites with congratulating email that he can help us but he will need our pure heart and Luckys in his work if he will cast the spell on us and purify our life. We agreed to his terms. He cast the spell and told us to expect results within 5days. I waited for three days nothing happened, so I started having doubt and blaming my husband for emailing Dr Lucky. It was on the fifth day that my husband was called for an interview and he got a well-paying work, I was prompted to a higher position. I missed my period on the 5th day and it was confirmed that I am with a baby. Things have really changed for us for good and we now have our own house and cars. I will never forget what Dr Lucky told us “LOVE is the key to LIFE”, this word keep me going. People that laughed at us are coming close for help and I am delighted to welcome them because my family is now blessed. Dr Lucky is a savior and man that keep to his word even when I doubted his powers at the end of the spell. Thank you great Dr Lucky and your Oracle for helping us via Realspellcasteronline@gmail.com and I will keep spreading this message to people in need of help. also contact him for help no fake no scams Goodbye

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  15. Hello my name is Dawn Kayla,am from Thailand. I was straight away after Dr. Jatto cast the Lottery spell for me, I felt enveloped by the control of the spell. This spell change my life into riches. I am now out of debts and experiencing the most amazing good luck with lottery after i won a huge amount of money. I have more luck now than I ever had in my life. i won $ 2 million us dollar. Your Lottery spell made wonders, I can't believe it. Thank you so much sir for dedicating your time to cast the Lottery spell for me.”I am eternally grateful for the lottery spell dr. jatto did for me. You can email him for you own lottery number. his via web sit:http://drjatto.website2.me or his email:drjattolovespelltemple@gmail.com or drjattolovespelltemple@yahoo.co.uk or his Mobile:+27832193146.

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  16. I'm James Shareef From USA, I have been suffering from (HERPES) disease for the past 13 months and had constant pain, especially in my knees. During the first month , I had faith in God that I would be healed someday.This disease started to circulate all over my body and I have been taking treatment from my doctor, a few weeks ago I came on search on the internet if I could get any information concerning the prevention of this disease, on my search I saw a testimony of someone who has been healed from (Hepatitis B and Cancer) by this Man DR JOHN and she also gave the email address of this man and advise we should contact him for any sickness that he would be of help, so I wrote to DR JOHN telling him about my (HERPES Virus) he told me not to worry that I was going to be cured!! hmm i never believed it,, well after all the procedures and remedy given to me by this man few weeks later I started experiencing changes all over me as the DR assured me that I have cured, after 2 weeks i went to my doctor to confirmed if I have been finally healed behold it was TRUE, So friends my advice is if you have such sickness or any other like HSV1,2,HPV1,2,3,CANER HIV,COLE SORES,TOOTH JOHN, ETC you can email DR JOHN on drjohnhivcurehome@gmail.com sir I am indeed grateful for the help I will forever recommend you to my friends!!! with your lovely Email Address or you can also phone/Whats App him on this number +2347064365391

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  17. I'm James Shareef From USA, I have been suffering from (HERPES) disease for the past 13 months and had constant pain, especially in my knees. During the first month , I had faith in God that I would be healed someday.This disease started to circulate all over my body and I have been taking treatment from my doctor, a few weeks ago I came on search on the internet if I could get any information concerning the prevention of this disease, on my search I saw a testimony of someone who has been healed from (Hepatitis B and Cancer) by this Man DR JOHN and she also gave the email address of this man and advise we should contact him for any sickness that he would be of help, so I wrote to DR JOHN telling him about my (HERPES Virus) he told me not to worry that I was going to be cured!! hmm i never believed it,, well after all the procedures and remedy given to me by this man few weeks later I started experiencing changes all over me as the DR assured me that I have cured, after 2 weeks i went to my doctor to confirmed if I have been finally healed behold it was TRUE, So friends my advice is if you have such sickness or any other like HSV1,2,HPV1,2,3,CANER HIV,COLE SORES,TOOTH JOHN, ETC you can email DR JOHN on drjohnhivcurehome@gmail.com sir I am indeed grateful for the help I will forever recommend you to my friends!!! with your lovely Email Address or you can also phone/Whats App him on this number +2347064365391

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  18. I'm James Shareef From USA, I have been suffering from (HERPES) disease for the past 13 months and had constant pain, especially in my knees. During the first month , I had faith in God that I would be healed someday.This disease started to circulate all over my body and I have been taking treatment from my doctor, a few weeks ago I came on search on the internet if I could get any information concerning the prevention of this disease, on my search I saw a testimony of someone who has been healed from (Hepatitis B and Cancer) by this Man DR JOHN and she also gave the email address of this man and advise we should contact him for any sickness that he would be of help, so I wrote to DR JOHN telling him about my (HERPES Virus) he told me not to worry that I was going to be cured!! hmm i never believed it,, well after all the procedures and remedy given to me by this man few weeks later I started experiencing changes all over me as the DR assured me that I have cured, after 2 weeks i went to my doctor to confirmed if I have been finally healed behold it was TRUE, So friends my advice is if you have such sickness or any other like HSV1,2,HPV1,2,3,CANER HIV,COLE SORES,TOOTH JOHN, ETC you can email DR JOHN on drjohnhivcurehome@gmail.com sir I am indeed grateful for the help I will forever recommend you to my friends!!! with your lovely Email Address or you can also phone/Whats App him on this number +2347064365391

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  19. I AM SO HAPPY DR AMBROSE, MY WIFE IS BACK.

    I completely trusted Dr AMBROSE totally from the time I spoke with him during the period my wife Left me after 14 years of our marriage, He started the spell work on my wife and in just 72 hours wife is finally back to me again, yes she is back with all his hearts, Love, care, emotions and flowers and things are better now. I would have no hesitation to recommend this powerful spell caster to anybody who is in need of help. Please if any body needs. LOVE SPELL,LOTTERY,PREGNANCY SPELL, DIVORCE SPELL,STOP COURT CASE AND WIN ANY COURT PROBLEM,DEATH SPELL,BUSINESS SPELL AND MANY MORE. i will advice you to contact him now via mail (ultimatespellhome@gmail.com) or call or what-app him via +2348051243538

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Thank you for taking the time to comment. Please note that this (being the internet) is not a confidential or secure way to contact me. If you wish to speak with me privately, please call me at 916-270-7413 or visit my site www.CounselingInRoseville.com