Where do I get started and inquire about scheduling a session?
Click Here to begin the process of setting up your first appointment. By filling out this form, we can set up a time to chat over the phone, find a day and time for your initial session, and then you will be sent a link to fill out all you paper work. It's easy and convenient.
Please allow up to 48 hours for contact to be made.
How do I find the right therapist for me?
Some great places to start are Psychology Today and Good Therapy. You can also ask your doctor, insurance company, school, or place of worship for a referral list. Friends and family can also be a great resource to point you to people they may know who practice counseling. If you’re on this page and aren’t finding what you’re looking for, I am more than happy to help point you to a therapist that would be a great fit for you.
Do you accept insurance?
Yes. We are in-network with select insurance plans. Clients always have the option to use insurance or to self-pay, even if we are in-network with their plan.
Using insurance is never required to receive services here.
Can I choose not to use my insurance even if you accept it?
Yes. Under Texas law, clients may choose to opt out of using insurance and pay privately for therapy services.
We view this choice as part of informed consent and are happy to discuss the implications of each option so you can decide what best aligns with your needs, values, and circumstances.
Why would a client choose private pay instead of insurance?
Many clients in Texas choose private pay for the following reasons:
Increased privacy and confidentiality
Insurance requires a mental health diagnosis and creates a record that is stored by the insurance company.More flexibility in treatment
Insurance companies may limit session frequency, duration of care, or types of services considered “medically necessary.”No requirement for a diagnosis
Texas insurers require a diagnosable mental health condition for reimbursement—even when therapy is sought for life transitions, relationship concerns, parenting stress, or personal growth.Reduced risk of insurance audits
Texas clinicians are required to provide treatment records to insurers upon request during audits or utilization reviews.Continuity of care
Changes in employment, coverage, or plan rules can disrupt insurance-based therapy unexpectedly.
Private pay allows care decisions to remain between you and your therapist, without third-party involvement.
What information does insurance receive if I use my benefits?
When insurance is used, clinicians are required to submit information that may include:
A mental health diagnosis (per DSM criteria)
Dates and frequency of sessions
Treatment plans and progress summaries
Clinical documentation if requested by the insurer
This information becomes part of your insurance and medical record and may be accessed for future coverage decisions.
Are there risks to using insurance for therapy?
Using insurance is a valid option, but it involves trade-offs. These may include:
A permanent diagnosis in your medical record
Insurance determinations about length or necessity of care
Denied or clawed-back claims
Limited flexibility in how therapy is structured
Our role is not to discourage insurance use, but to ensure clients understand these factors before choosing how to pay.
Does paying privately change the quality of care?
No. The quality of care is the same regardless of payment method. However, private pay allows for greater flexibility, autonomy, and depth, as treatment decisions are made collaboratively without insurer oversight.
Why We Are Partially Cash-Pay
We believe ethical mental health care should be accessible, sustainable, and client-centered.
While we accept select insurance plans to increase access, we also maintain a cash-pay model because insurance-based systems often require clinicians to work within rigid, medicalized frameworks that do not always support relational, culturally responsive, or long-term healing work.
Operating partially cash-pay allows us to:
Protect client privacy
Offer flexible and individualized care
Reduce burnout among clinicians
Create space for reduced-fee and community-access services
This model helps us remain clinically present, ethically grounded, and available to clients over the long term—without compromising care to meet insurance demands.
Clients are always free to choose the payment option that best fits their needs.
What should I expect at my first session?
During our first session together, we will chat over your initial intake form, discuss some formalities, and come up with the best for treatment for you. This is done collaboratively. I believe that my clients know their stories better than I do, and I do not assume the role of “expert” on your life. My job is to create emotional safety for you to process, provide unbiased feedback, and offer insight and suggestions that may help your healing along. I do not push any client to any type of therapy they are not ready to explorer, and I do not ask my clients to go emotionally where I myself have not gone.
How to request your medical records.
To obtain your medical records, please email info@wholelifehealingtherapies.com with the subject line “Request Client Records”. Please give 14 business days for your provider to prepare and submit the records to you. Client will be charged a flat fee as outlined in their informed consent documents for their request.
How to contact our licensing board.
Texas Behavioral Health Executive Council (BHEC) oversees licensed mental health professionals in Texas.
Website: https://bhec.texas.gov
Phone: (800) 821-3205 or (512) 305-7700
Address: 1801 Congress Ave., Ste. 7.300, Austin, TX 78701
File a Consumer Complaint
File a complaint online at: https://www.texasattorneygeneral.gov/consumer-protection/file-consumer-complaint
ConsumerProtectionHotline: (800)621-0508
Mailing Address: PO Box 12548, Austin, TX 78711-2548
This notice is posted in compliance with Texas House Bill 4224 (Effective September 1, 2025).
General Website Disclaimer
Whole Life Healing Holistic Therapies, LLC ("Whole Life Healing") provides this website for general informational and educational purposes only. The content on this website is not intended to be, and should not be construed as, professional counseling, mental health, medical, or legal advice.
Accessing, viewing, or using this website — including reading educational content or blog posts, downloading resources, submitting a contact form, scheduling a consultation, or sending electronic communications — does not establish a counselor–client relationship with Whole Life Healing or Johanna Montenegro, LPC-S. A professional counseling relationship is established only after all of the following have occurred:
Completion of an initial consultation or intake process
Review and signing of informed consent and related practice policies
Mutual agreement to services, fees, and scope of practice
Determination that services are clinically and legally appropriate
The information provided on this website is not a substitute for individualized counseling, diagnosis, or treatment. Mental health concerns are complex and vary significantly between individuals. Content on this website may not apply to your specific situation.
While reasonable efforts are made to ensure the accuracy and timeliness of information on this website, Whole Life Healing makes no representations, warranties, or guarantees regarding the completeness, accuracy, reliability, or applicability of any content. No specific therapeutic outcomes or results are guaranteed, as counseling is an individualized process influenced by many factors.
This website is not intended for crisis or emergency use and is not monitored on a continuous basis. If you are experiencing a mental health emergency, thoughts of self-harm, or are in immediate danger, please call 911, go to the nearest emergency room, or contact the 988 Suicide & Crisis Lifeline.
This website may include links to third-party websites for informational purposes. These links do not constitute endorsement, and Whole Life Healing is not responsible for the content, accuracy, or privacy practices of external sites.
By using this website, you acknowledge that you are solely responsible for how you use the information provided and agree that Whole Life Healing Holistic Therapies, LLC and Johanna Montenegro, LPC-S shall not be held liable for any outcomes related to use of this website.
Privacy Policy
Whole Life Healing Holistic Therapies, LLC is committed to protecting your privacy and maintaining transparency regarding how information is collected and used through this website. This Privacy Policy applies **only to website interactions** and does not replace or supersede the Notice of Privacy Practices provided to clients who engage in counseling services.
Information Collected
Whole Life Healing may collect limited personal information when you:
Submit a contact or inquiry form
Request information about services
Schedule a consultation
Communicate via email or website-based forms
Information collected may include your name, email address, phone number, and any information you voluntarily submit.
Use of Information
Information submitted through this website is used solely to:
Respond to inquiries
Provide information about services
Determine whether services may be appropriate
Facilitate scheduling or referrals
Your information is not sold, shared, or distributed to third parties for marketing purposes.
Electronic Communications & Security
Electronic communications through this website (including contact forms and email) may not be fully secure. Please do not submit sensitive, confidential, or clinical information through this website. Confidentiality protections under Texas law and HIPAA apply only after a formal counselor–client relationship has been established.
Cookies & Analytics
This website may use basic cookies or analytics tools to improve functionality and understand general website traffic. These tools collect non-identifying information and do not gather clinical or health data.
HIPAA & Client Privacy
If you become a client of Whole Life Healing, your protected health information (PHI) will be handled in accordance with applicable state and federal privacy laws, including HIPAA. Clients will receive a separate Notice of Privacy Practices outlining how PHI is used, disclosed, and protected.
Third-Party Services
This website may utilize third-party services (such as scheduling platforms or website hosting). Whole Life Healing is not responsible for the privacy practices of third-party platforms. Users are encouraged to review those privacy policies independently.
Your Rights
You may request to:
Review or update information you have submitted through the website
Request deletion of non-clinical information submitted electronically
Requests can be made by contacting Whole Life Healing directly.
Policy Updates
This Privacy Policy may be updated periodically. Any changes will be reflected on this page with a revised effective date.
Contact Information
Whole Life Healing Holistic Therapies, LLC
Owner: Johanna Montenegro, LPC-S
Licensed in the State of Texas, License # 75988
For questions regarding this Privacy Policy, please contact the practice directly through the official website communication channels.