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      <image:title>Speaking - Gracious words are a honeycomb, sweet to the soul and healing to the bones.</image:title>
      <image:caption>— Proverbs 16:24</image:caption>
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      <image:title>Speaking</image:title>
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      <image:title>Home - A perspective that is Clinically Informed &amp; Gospel Infused</image:title>
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      <image:title>Home</image:title>
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      <image:title>Home</image:title>
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      <image:title>Home</image:title>
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    <loc>https://www.julieroth.org/insurance-reimbursement</loc>
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      <image:title>Insurance - Insurance</image:title>
      <image:caption>I am an out-of-network therapist. That means you will pay for counseling out-of-pocket at the time of service. Your insurance provider may reimburse you completely or for a portion of your health care expenses. I have provided you a list of questions and key terms to help you navigate understanding your insurance plan.</image:caption>
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      <image:title>Insurance - Before you make the call</image:title>
      <image:caption>Language used within any industry can be confusing for anyone outside of that industry. The terms and descriptions below are commonly used by insurance providers. Understanding these terms will be helpful for accurately knowing your unique insurance plan and coverage.</image:caption>
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      <image:title>About - Let me introduce myself...</image:title>
      <image:caption>Hi, I am Julie. I am a Licensed Clinical Professional Counselor and hold Master’s Degrees in counseling from Bradley University and Westminster Theological Seminary. Since 2005, I have had the opportunity to counsel in a group practice, a not-for-profit ministry with an addiction recovery program, and in the church. You find me now in private practice. I look forward to meeting you! My faith in Jesus Christ guides how I think and how I help. By no means do you need to agree with my faith but it behooves you to know that my approach is gospel infused while also being clinically informed. I believe that view of God impacts how one views self; and conversely, view of self impacts one’s view of God. The harmony or dissonance between such knowledge influences the rhythm of your life. I am married, have three children, and am a member of a local church. I love learning new things and enjoy solving puzzles (both jigsaw and logic). My heart is enraptured by Bible study, sounds of the ocean, and conversation around bonfires.</image:caption>
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