How much does therapy cost?

The cost of therapy will vary depending on which therapist you are seeing. We have a variety of different therapists who offer many affordable therapy options.  If you would like to select a therapist by cost, please complete the Appointment Request Form below, where you can see the different rates based on the experience of the therapist.

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Do you have any therapists that are in-network with insurances?

Yes! If you are meeting with a LPC or LCSW, they will be in-network with most insurances including Aetna, Beacon, Blue Cross Blue Shield, Cerner, Cigna/EverNorth, Medicare (must see a LCSW), United Healthcare/Optum and many more. *Please note there may be some exceptions to specific plans within an insurance company.  

We CANNOT take Medicaid plans of any kind, except in the rare event that the client has Medicare as primary and a QMB qualified Medicaid plan as secondary to that Medicare. 

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LMFT, PLPC and interns will NOT be able to accept insurances at this time. However, please keep in mind that depending on your insurance benefits, the cost of therapy may be similar to or better than it would be if you had used your insurance.  This is particularly true if you have a deductible you would need to meet if you used insurance.

Do you have any therapists that offer reduced rates?

Yes!

We have Interns and Provisionally Licensed Professional Counselors who can offer significant savings over traditional therapy costs. Interns charge a flat rate of $40 per session regardless of your income.  Provisionally Licensed Professional Counselors offer a sliding scale based on household income and household size.  If you would like to see what rate you would qualify for if you were to see a Provisionally Licensed Professional Counselor, please complete the Request for Sliding Scale form below.

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Does insurance cover the cost of therapy?

Depending on the therapist you are seeing, the type of therapy session you do and your specific plan benefits, your insurance may reduce or cover some or all of the cost.  Most insurance companies have mental health coverage for individual therapy, some plans cover family therapy, and a few plans cover couples counseling.  If you are seeking counseling for a type of therapy that is not covered under your insurance plan, then you will not be able to use your insurance and you would need to be a self-pay client.

Should I use my insurance for mental health therapy?

Some of our clients prefer to keep their medical record more private and opt to self-pay for all sessions, so that their therapy is not on file with their insurance company.  Others choose to use their mental health insurance benefits to possibly help with the cost of therapy and don't mind insurance having access to their medical records if requested. Either way, we are here to help you.

Does insurance cover teletherapy?

To be eligible for telehealth, you must be a Missouri resident to see a therapist who is licensed in the state of Missouri.  Not all insurances will cover teletherapy.  However, due to the national state of emergency caused by the corona virus, most insurances are at least temporarily covering telehealth sessions with similar benefits as we would expect to see for in-person sessions. 

How do I know my insurance benefits for counseling?

If we have a therapist available that meets your needs, we will send you paperwork to complete before we can schedule an appointment.  Once we receive the paperwork back we will contact your insurance and get a quote of benefits that will provide you with the anticipated amount of what each counseling session will cost  you at our office. All anticipated costs will be due at the beginning of each session. We work hard to try to give you accurate quotes, but the insurance companies do no guarantee the quotes that they provide us, so your final cost will depend on what your insurance actually pays.  

How is my insurance billed for my counseling sessions?

Our office will file all therapy claims with your insurance on your behalf.  We will also notify you of any insurance problems.  It is your responsibility to contact your insurance company regarding insurance coverage or payments, authorizations, and to update your information with the insurance company, failure to do so may result in reduced benefits or insurance refusal to pay.

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If you ever have any questions regarding your account, please call your insurance company directly or call our office and speak to one of our awesome secretaries who should be able to help you.