Therapy Fees & Insurance Details

Session Fees

Our session rates vary depending on the provider:

• Cindy Poulsen & Sarah Loux – $250 per 60 minute session

• Sarah Marsh & Kelsie Ortiz– $200 per 60 minute session (Note: Sarah Marsh cannot accept HMK due to licensing restrictions.)

In-Network Insurance

We are in-network with the following insurance providers:

• Mountain Health Co-Op

• Allegiance

• Aetna

• Cigna

• Acuity Group

• First Choice Health Network

• PacificSource Health Plans

• UnitedHealthcare

• Blue Cross Blue Shield (BCBS) Plans:

  • HMK – Healthy Montana Kids (Not accepted by Sarah Marsh)

  • MCN – Managed Care

  • PPO

  • PMC-PPO – Medicare Advantage

  • TRA – Traditional

  • FEP – Federal Employee Program

  • BLC - Blue Focus POS

How In-Network Coverage Works

If you are in network with one of the insurance providers listed above, your session fee is automatically discounted to the agreed-upon insurance rate we have negotiated with that carrier. After that discounted rate is applied, you are responsible only for your copay or any remaining balance based on your specific plan, such as deductibles or coinsurance.

Our agreed insurance rates are typically around $150 per hour, which means that even if you have a high deductible, your session cost is usually significantly lower than our standard private-pay rates.

Your final out-of-pocket cost depends on:

• The agreed rate we have with your insurance carrier

• What your plan covers, including copays, deductibles, and coinsurance

Once you provide your insurance information, we can offer an estimate of your benefits. Please note that insurance benefits are not fully confirmed until we receive a response to a submitted claim, which typically takes 30–90 days to process.

Out-of-Network Insurance & Superbills

If we are not in-network with your insurance provider, you can still see us as an out-of-network client. We can provide a Superbill (a detailed receipt of your sessions) that you can submit to your insurance provider for potential reimbursement.

We recommend contacting your insurance provider to ask about out-of-network benefits before starting therapy. Be sure to ask:

• Does my plan include out-of-network mental health coverage?

• What percentage of the session fee will be reimbursed?

• Is there a deductible I must meet first?

• How do I submit a Superbill for reimbursement?

• Is family psychotherapy (90847) covered under my outpatient mental health benefits?

• If relevant, is 90846 (family psychotherapy without the identified client present) covered?

• Do you cover telehealth family therapy, and are there any special telehealth rules for my plan?

• Do I need a referral or pre-authorization for family therapy?

• Are there any visit limits for family therapy or outpatient mental health?

Understanding Your Insurance Benefits

Once we receive your insurance card, we will verify your coverage and provide an estimate of your costs. However, please note:

• We can only estimate your out-of-pocket costs before your first session.

• Insurance claims take 30-90 days to process. After your first session, we will have a clearer picture of your actual coverage.

Questions?

If you have any questions about fees, insurance, or how to submit a Superbill, feel free to contact us. We’re happy to help you navigate your options.

If you tell us whether you’re seeking family therapy, couples therapy, or child/teen therapy, and which insurance you have, we can help you figure out the most cost-effective option.