Insurance & Fees
Insurance
All providers accept any kind of Blue Cross Blue Shield (e.g., Federal, Wellmark, out of state). Some providers accept Cigna, Health Partners, Medicare and Midlands Choice. Like most therapists in North Liberty and Cedar Rapids, we cannot provide virtual therapy to clients living in other states (due to licensing laws). With the exception of Julie Peterson, LISW, who is dual licensed in Iowa and Illinois.
Many insurances cover most of the cost of therapy. You are responsible for any copays, which is sometimes $0 to $40. In most cases, if your insurance covers a visit to your primary care doctor, they will cover a visit to a psychotherapist. But the only way to be certain is to call the number on your insurance card and ask the following:
- Is psychotherapy covered? You may need to say "Are mental health services covered?"
- Do I need pre-approval? (often, this is not the case with Blue Cross).
- What is my co-pay for an outpatient office visit (all our services are classified as office visits)?
- How many therapy sessions does my plan cover? (Blue Cross usually doesn't set a limit)
What If I Don't Have An Insurance You Accept?
Sessions can be paid out-of-pocket (you are paying yourself). Fees range from $130 – $190 per session.
If you have another insurance, you may be able to get reimbursed for some of the cost. This is called out-of-network benefits. Not all insurances do this. But you can ask the following:
- Do you have out-of-network benefits for behavioral or mental health?
- How do I submit a claim? (you usually have to submit forms yourself)
- How many sessions are covered?