Fees & Insurance

Reformation Counseling Center is a private-pay practice. We do not bill insurance, and we are not in network with any plan. You pay for your session at the time of service, and we give you everything you need if you want to seek reimbursement on your own.

Below is what we charge, why we have set things up this way, and how to find out what your plan will cover.

Session Fees

Fees are set by counselor. Individual and couples sessions are billed at the same rate.

Payment is due at the time of service. Credit card payments are handled by our payment processor; we do not store full card numbers. Fees are confirmed with you before your first session and set out in the financial agreement you sign.

The consultation is free

Before you book anything, we offer a free 15-minute phone consultation. It is a chance to tell us what you are looking for, ask whatever you want to ask, and find out whether we are the right fit. There is no charge and no obligation on either side.

Reduced-fee availability

We hold a limited number of reduced-fee spots, and availability changes over time. If cost is the thing standing between you and getting started, say so on your consultation call. We would rather have that conversation than have you not call at all.

Why We Do Not Bill Insurance

This is a deliberate choice, not a limitation. Four reasons, plainly:

1. Your record stays private

To pay a claim, an insurer requires your diagnosis and information about your treatment. That becomes part of a permanent record held by a company whose interests are not the same as yours, and it can follow you. Paying privately keeps what happens in your sessions between you and your counselor.

2. Insurance requires a diagnosis

Coverage depends on a billable mental health diagnosis. In practice that means a counselor has to classify you as having a disorder before your first session can be paid for. Many good reasons to be in counseling — a hard season, a strained marriage, a decision you are weighing, wanting to grow — do not come with one. We are not willing to assign a diagnosis you do not have in order to get a session covered.

3. Your counselor’s time goes to your care

Claims, appeals, authorizations, and documentation for insurers absorb hours that are not spent with clients. Staying out of that system keeps our administrative load small and our attention where it belongs.

4. Your treatment stays your decision

Insurers can limit how many sessions they will approve, how often you are seen, and what kind of care qualifies. With no plan in the middle, you and your counselor decide together how long you work together and what you work on.

Using Your Out-of-Network Benefits

Many PPO plans reimburse part of what you pay an out-of-network counselor. We cannot submit a claim on your behalf, but on request we will give you a superbill — an itemized receipt containing everything an insurer needs — and you submit it yourself. We also provide receipts suitable for HSA and FSA reimbursement.

We cannot guarantee that your insurer will reimburse anything. Whether a claim is paid, and how much, is between you and your plan. Before your first session, call the number on the back of your insurance card and ask:

• Do I have out-of-network benefits for outpatient mental health?
• What is my out-of-network deductible, and how much of it have I met this year?
• Once the deductible is met, what percentage of the fee do you reimburse?
• Is reimbursement based on what I actually paid, or on an allowed amount you set? If it is an allowed amount, what is it?
• Is there a limit on the number of sessions per year?
• Do I need preauthorization or a referral from my primary care physician?
• How do I submit a claim, and what is the filing deadline?
• Which counselor license types do you reimburse?

That last question matters more than people expect. Some plans reimburse fully licensed counselors but not counselors practicing under supervision. Two of our counselors hold full licenses and two hold candidate licenses, so the answer may affect who you choose to see. Tell us what your plan says and we will help you sort it out.

Ask for a reference number for the call and write down who you spoke with. It is the difference between a smooth claim and an argument later.

Your Right to a Good Faith Estimate

Under the federal No Surprises Act, clients who are uninsured or who are not using insurance have the right to a written estimate of what their care is expected to cost. Because we are a private-pay practice, this applies to essentially everyone we see.

We provide a Good Faith Estimate in writing automatically when you schedule — within one business day if your appointment is at least three business days away, and within three business days if it is at least ten business days away — and within three business days of any request. You can ask for one at any time, including before you schedule.

Cancellations and Missed Appointments

Please cancel or reschedule at least 24 hours before your appointment. Appointments cancelled with less notice, and appointments you do not attend, may be charged the full session fee.

Because we do not bill insurance, a missed-appointment fee is never covered by a plan — it is your responsibility. We understand that illness, emergencies, and Colorado weather happen, and we use reasonable judgment. The policy that governs your care is the one in the financial agreement you sign.

Still Have Questions About Cost?

Ask them on the consultation call. Nobody should start counseling unsure of what it costs, and no question about money is too blunt for us.

Call 720-915-2485 or request a free 15-minute consultation.

See also our Terms & Conditions for the full fee, cancellation, and Good Faith Estimate policies.