Therapy Costs & Insurance in Bozeman, MT

Session fees

Our current session rates vary by provider:

Therapy is an investment in yourself and your relationships, and we'll help you understand the costs clearly.

In-network insurance

We are currently in-network with the following insurance providers:

How in-network coverage works

If we are in-network with your plan, your session fee is discounted to the rate we have negotiated with that carrier. After that adjustment, your out-of-pocket cost depends on your plan's benefits, which may include a copay, deductible, coinsurance, or a remaining balance based on your plan rules. Your final cost depends on your specific policy, not just the carrier name; even within the same carrier, benefits can vary widely from one plan to another. Once we receive your insurance information, we can review your benefits and give you an estimate of your expected out-of-pocket cost. Benefit checks are estimates, and only your insurance company can make the final determination after claims are processed.

Out-of-network insurance and Superbills

If we are not in-network with your plan, you may still choose to work with us as an out-of-network client. For out-of-network therapy, we can provide a Superbill, a detailed receipt you may be able to submit to your insurance company for possible reimbursement. Before starting, we recommend asking your insurer whether you have out-of-network mental health benefits, what percentage of the fee is reimbursed, whether you need to meet a deductible first, how to submit a Superbill, and whether family and telehealth sessions are eligible. Out-of-network reimbursement is never guaranteed, so confirm your benefits directly with your plan.

Sliding scale and reduced-fee options

We offer sliding-scale, reduced-rate, and discounted fee options across our services when availability allows. Availability depends on clinician openings, current reduced-fee slots, financial need, and the type of service requested, and may apply to individual, couples, family, and child therapy. If cost is a concern, please reach out; we are happy to discuss current options. If we are not the right financial fit, we still want you to find support and can point you toward community mental health centers, university training clinics, employee assistance programs, or other lower-cost resources.

Good Faith Estimate and questions to ask your insurer

If you are uninsured or choosing not to use insurance, you have the right to request a Good Faith Estimate of expected charges before beginning services, under the federal No Surprises Act. Before your first appointment, it can also help to call the member-services number on your insurance card and ask: Do I have outpatient mental health benefits? Is this provider in-network with my specific plan? What is my copay, coinsurance, or deductible? Are telehealth sessions covered? Is couples or family therapy covered? These questions can help you understand your likely cost before treatment begins.