Mom may have gone about it the wrong way. If I were you I would have a talk with Mom about finding a provider in network which would reduce costs. If this should go to court, it is very possible that the judge would order counseling and the decision as to whether or not they need counseling would be moot.
There is no good reason not to go ahead with counseling. If the counseler feels the kids are adjusting well and not in need they will probably say so.
The biggest problem I would have would be the choice of an out of network provider which in the case of an HSA could increase your copay drastically. (I hate HSA's and HRA's, but they are the wave of the future. Anything to get the member to be more "fiscally responsible")
There is no good reason not to go ahead with counseling. If the counseler feels the kids are adjusting well and not in need they will probably say so.
The biggest problem I would have would be the choice of an out of network provider which in the case of an HSA could increase your copay drastically. (I hate HSA's and HRA's, but they are the wave of the future. Anything to get the member to be more "fiscally responsible")