Insurance Information

We are currently in-network with the following insurance plans.

  • Ambetter
  • Behavioral Healthcare Options
  • Blue Cross Blue Shield of Missouri (BCBS MO)
  • Blue Cross Blue Shield of Kansas City (BCBS KC)
  • Blue Access
  • Curalinc
  • Medica Medicare
  • Medica Minnesota Preferred
  • Medicare (Part B)
  • New Directions Behavioral Health
  • United Healthcare (UHC)
  • Optum
  • Oscar
  • Wellcare by Allwell


Employee Assistance Programs (EAP)

If you are employed, you may already have access to free, confidential therapy sessions through your workplace — and not even know it. Many employers offer an Employee Assistance Program, or EAP, as part of their benefits package. EAP programs are designed to help employees and their immediate family members address personal challenges that can affect wellbeing and daily functioning, including stress, anxiety, depression, grief, relationship difficulties, workplace conflict, and major life transitions.


Most EAP plans provide a set number of sessions — typically between three and eight — at no cost to you, completely separate from your health insurance. Your EAP benefit is confidential, meaning your employer does not have access to the fact that you used it or anything discussed in your sessions. Healing Springs Counseling & Wellness works with several EAP programs, and if your employer offers one, it may cover your sessions here at no out-of-pocket cost to you. To find out if you have an EAP benefit, check with your HR department or look at the back of your insurance card for an EAP contact number. If you are unsure whether we work with your specific EAP provider, give us a call and we will help you figure it out.

Out-of-Network Insurance

If your plan is not listed above, we can provide a "Superbill" to you to submit to your insurance company. If your insurance plan includes out-of-network benefits, you may be able to get reimbursed for a portion of your therapy costs — even if Healing Springs Counseling & Wellness is not directly contracted with your insurer. A superbill is the document that makes that possible.


A superbill is a detailed receipt for your therapy services. It includes everything your insurance company needs to process a reimbursement claim on your behalf — your therapist's name and credentials, her National Provider Identifier (NPI) number, the date of your sessions, the type of service provided, and the diagnosis and procedure codes that insurance companies use to identify mental health services.


Here is how the process typically works. You pay for your session at the time of service, just as you normally would. At your request, your therapist provides you with a superbill. You then submit that superbill directly to your insurance company, either through their member portal, by mail, or by fax. Your insurer reviews the claim and, if your plan includes out-of-network mental health benefits, reimburses you directly — usually by check or direct deposit — for whatever portion your plan covers.


Please note: Healing Springs Counseling & Wellness provides superbills as a courtesy to clients who wish to seek reimbursement from their insurance carrier. We are not able to guarantee or predict reimbursement outcomes. Out-of-network benefits, reimbursement rates, deductibles, and eligibility are determined solely by your individual insurance plan. We encourage you to contact your insurance company directly before beginning services to understand your out-of-network benefits. Healing Springs Counseling & Wellness is not responsible for any denied claims, unpaid balances, or reimbursement amounts determined by your insurer. Payment for services is due at the time of your appointment regardless of expected insurance reimbursement.

Self-Pay Services

Not everyone who comes to therapy wants to use their insurance — and that is completely understandable. At Healing Springs Counseling & Wellness, self-pay services are available for clients who prefer to keep their mental health care private, who are uninsured or underinsured, or who simply want more flexibility and control over their treatment.


Why some clients choose self-pay


Choosing to pay out of pocket is a personal decision.


No diagnosis required. Insurance companies require a mental health diagnosis and a medical necessity in order to approve and reimburse therapy. Self-pay clients are not subject to that requirement, which means you can seek support for life transitions, stress, relationship challenges, grief, or personal growth without a formal diagnosis.


Freedom in treatment. Insurance plans often decide how many sessions they will cover, how frequently you can be seen, and what treatment approaches they will reimburse. Self-pay removes those restrictions, allowing you and your therapist to make decisions about your care based entirely on what is right for you.


No referrals or authorizations needed. Self-pay clients can begin services without waiting for a referral from a primary care provider or prior authorization from an insurer.


Self-pay fees


We believe care should be as accessible as possible. Our self-pay fees are as follows:



  • Therapy Intake Assessment                             $220
  • Psychotherapy Session (16–37 minutes)      $75
  • Psychotherapy Session (38–52 minutes)     $105
  • Psychotherapy Session (53–60 minutes)     $145


Payment is due at the time of service. We accept HSA and FSA cards, credit cards, and debit cards.

If cost is a barrier to care, we encourage you to reach out. We are happy to talk through your options.


Good Faith Estimates


Under the No Surprises Act, you have the right to receive a Good Faith Estimate before beginning services. A Good Faith Estimate is a written statement that outlines the expected cost of your care, so you have a clear picture of what to expect before you commit to anything.


At Healing Springs Counseling & Wellness, we provide Good Faith Estimates to all self-pay and uninsured clients prior to their first appointment. Your estimate will include the anticipated cost of your intake assessment and ongoing therapy sessions based on your individual treatment needs as discussed with your therapist.


It is worth knowing that a Good Faith Estimate is not a contract or a guarantee of a fixed number of sessions — therapy is a process, and your needs may evolve over time. What it does guarantee is transparency. You will never be surprised by a bill you did not see coming.


If you receive a bill that exceeds your Good Faith Estimate by more than $400, you have the right to dispute that charge. For questions about your estimate or to request one prior to scheduling, please do not hesitate to reach out.