Insurance

Current in-network insurances & OON benefits

We are currently in-network for several insurance companies. We have them listed below, but if you aren't sure, feel free to email us and ask.

For all other insurances, you may have out-of-network benefits, which means that insurance will reimburse you for a portion of our session cost. See our handy out of network benefits checker below if you wish to check how much you may owe.

Optum
Kansas Exchange
Medica Minnesota Preferred
Missouri Exchange
Oscar Health Plan
United Healthcare
Lyra EAP

UBH General
Aetna
TriWest
VA Community Care Provider (VA-CCN)
Missouri Medicaid
Meritain
GEHA

Filing for Out-of-Network Reimbursement:

Thrizer vs. Doing it Yourself

We have partnered with Thrizer to handle the out-of-network process automatically for you. With Thrizer, you will only have to pay a copay for sessions post-deductible, instead of paying the full fee and waiting for reimbursements.

This typically allows clients to save on average 60-70% upfront on our sessions. During our intake process, we can help you verify if you have out-of-network benefits and how much your co-insurance would be.

Test it out

Instant Benefits Checker

*Optional Participation: Using Thrizer for reimbursement is entirely optional, and it won't affect your therapy service quality or availability.

*Therapist Neutrality: We, as your therapist, do not benefit from your choice to use Thrizer. Our goal is to support your well-being.

For the DIY-er

Another popular out-of-network option is to pay up front, then receive documentation from our office after each session and submit the claim to your insurance company yourself.

This document, called a superbill, may sound intimidating, but it simply includes the information your insurance company needs to process out-of-network reimbursement.

This option is most commonly available with PPO plans. HMO plans typically offer limited or no out-of-network benefits.

It is really quite simple, but it often takes a while for reimbursement and you are stuck doing the legwork on your own if you have questions about complex codes.

How Does Private-Pay Counseling Work?

Private-pay counseling means you pay directly for your sessions, bypassing insurance entirely. While this might sound unfamiliar, it actually offers several advantages:

Your private information does not have to be sent to insurance companies
You do not have to be given a forced diagnosis if one does not exist
You receive a Good Faith Estimate up front — no surprise bills
You control your treatment without insurance limitations
You can still request out-of-network reimbursement from your provider

Question: What is the No Surprises Act?

Answer: Under the No Surprises Act, you have the right to receive a Good Faith Estimate for non-emergency services. This estimate must be provided in writing at least one business day before your session. If your final bill exceeds your estimate by $400 or more, you may dispute the charges. Learn more at CMS.gov.