Session fees vary between $100 and $160 depending on the service and provider. If we are not billing insurance and you are able to pay at time of service, many providers offer a modest discount. Client payment is expected at time of service. Payments can be made in cash, check, debit, VISA, MASTERCARD or Discover Card.
Out of Pocket
If you do not have insurance, or opt out of using your insurance benefits, you may pay for counseling out of pocket. Some providers offer a cash discount for services paid at time of service with cash or check.
Most insurance plans cover mental health (counseling) services, if the service is determined to be medically necessary.* Our providers are contracted with most insurance plans, but some may not be. Providers who are not contracted with your insurance plan will be considered out-of -network. We highly recommend that you familiarize yourself with your specific plan. Please note that a co-pay, co-insurance, or a deductible will often apply, and will be due at the time of service. As a courtesy, we will make a good faith effort to verify your insurance benefits prior to your first appointment. However, do to the complicated nature of insurance benefits and available information, we cannot ensure the information we receive is 100% accurate. Every insurance plan is different, and we encourage you contact your insurance company yourself and know what your benefits are. Ultimately, the client, not your insurance plan, is responsible for payment of services.
Accepted Insurance Plans:
- Blue Cross
- Dakota Care
- First Choice Health Network
- IPN (Idaho Physician's Network)
- Pacific Source
- Regence (Blue Shield)
- Select Health
- Medicare (Psychologist Only)
- Mountain Health Co-Op
- UBH/Optum (United Behavioral Health, United Healthcare)
- Some Blue Cross, Select Health, and Pacific Source Medicare supplemental plans
Many of our providers are in network with the St. Alphonsus Health Alliance and the St. Luke's Health Partners Network.
If your insurance provider is not listed above, please contact us. We may be able to accept other plans.
Please note that not all counselors are in-network providers with every insurance plan.
Employee Assistance Programs (EAP) are benefits to employees through their employers. EAP benefits are a separate benefit from insurance benefits. This service is designed to be short term, solution focused, and issue specific. EAP programs offer a limited number of sessions per issue, and requires pre-authorization, and determination for eligibility. This means that the reason a person is seeing a counselor must be in line with the intended purpose of the EAP benefit. Please check with your individual provider to learn more about their specific EAP policies. Not all providers participate with EAP programs, or may have a limited number of EAP appointments available. If a provider is not able to accept an EAP program, you may still use your insurance benefits or pay out of pocket for counseling.
All EAP programs require a pre-authorization from your EAP company. This must be initiated by the client. If a pre-authorization is not obtained prior to the first session,the client will be responsible for payment of services.
Accepted EAP Plans:
- RBH (Reliant Behavioral Health)
- BPA (Business Psychological Associates)
*****Please note that if you are referred to EAP services by your employer, your employer may request that your provider share information about your treatment with them. *****
Questions to Ask my Insurance Plan
The following are some helpful questions to ask:
- Do I have mental health (counseling) benefits?
- What is my deductible and has it been met?
- What is my co-payment or coinsurance for each visit?
- How many sessions per year does my plan cover?
- Is pre-authorization required?
- Are there any mental health exclusions (such as marriage therapy, certain diagnosis, or treatment modalities?)
- Is the provider I want to see contracted, or in network, with my plan. You will need to give the providers name, not the name of the counseling center.
*If you choose to use your insurance plan to help cover the cost of counseling, it is important to know that this requires your provider to submit a mental health diagnosis to your insurance company. In some cases this could have a negative affect on your ability to obtain medical or life insurance polices, or your ability to be employed in some occupations. Not all diagnosis or treatment modalities are covered by insurance. Typically insurance plans have exclusions for couple's counseling as a couple(relationship) cannot be diagnosed, therefore it is not considered medically necessary. This information is provided in an attempt to be transparent and upfront, and in no way meant to discourage you using your insurance benefits. Please discuss any concerns you may have regarding these issues with your provider.