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Investing in therapy is an investment in yourself. 

It is important to RAFT that we offer quality and accessible treatment. Private pay options are always available and we accept multiple private insurances, as well as Colorado Medicaid, to ensure we are in line with our vision. We want your care to be accessible for you and can accept different plans as in-network providers including Aetna, Friday Health, Bright Health, Cigna, Anthem BCBS, UHC, Oscar, Optum, CCHA Medicaid, CO Access Medicaid, Realiving EAP, Health Advocate EAP, and Victim Compensation with the 18th Judicial District.


Would you like more information about your insurance benefits?

First, please contact us directly using our contact form to review your specific plan and determine if we are able to provide in-network services. We are contracted in-network providers for multiple insurance plans including Cigna and Friday Health. However, insurances contract with individual therapists so each therapist on our team is able to accept different insurances as an in-network provider. And not all of our therapists can accept every health insurance plan.

Reach Out


Don’t want your information shared with your insurance? We always offer private pay options.

Sometimes people prefer to private pay for therapy. Use of a private pay option is beneficial when it is financially possible, and you do not want your information shared with your insurance company. 

In addition, sometimes private pay is the only option if you do not meet diagnostic criteria for a mental health diagnosis. Using mental health insurance benfits for your counseling sessions does require us to utilize a code that reflects a mental health diagnosis. Your RAFT therapist is happy to discuss with you what this might look like specifically for you.


We accept payments through our HIPAA secure EHR with a debit card or credit card. All major cards are accepted including cards linked to HSA accounts. Payment is due at the time of your appointment, just like at a doctor's office. If we are submitting claims to your health insurance, we then send the information to Friday Health, Cigna, Brighthealth, etc. and they will process the claim. If anything comes back unexpected, please connect with us. We are always striving to make using mental health insurance benefits an accessible options for therapy.

Cancellation Policy 

If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. We are awesome at what we do because we hold our clients in very high regard. Multiple no shows from a client, with no communication about what is happening, changes how we feel about that client. We offer a one time yearly exception because sometimes life happens. Following late, no shows and late cancellations are charged a $75 fee.

RAFT counselors accept different insurance plans and CO Medicaid including CO Access and CCHA. It is important to note that insurances like Cigna, Friday Health, and Bright Health, cannot be charged, and will not reimburse, for any fees related to no shows or late cancellations. Client using CO Medicaid benefits are never charged for these instances. 

Right to Receive a Good Faith Estimate Explaining How Much Your Medical Care Will Cost

Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

• You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

• Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit or call the Colorado Division of Insurance at 303-894-7490 or 1-800-930-3745.

RAFT's Tiered Private Pay Rate System

RAFT follows a tiered payment rate based on the number of years a therapist has been registered with DORA, or other state licensing board. At times, RAFT is able to offer counseling sessions with therapist interns. Interns have not yet graduated from a school program and offer services under clinical supervision without registration with a state licensing board. At a minimum, registration with a state licensing board follows graduation from a master's program. Years of experience are based on the original date of registration, including current and all previous related licenses held. Years of experience are defined as follows:

Intern: Current student registered and enrolled in a master’s degree program

Level 1: Therapists with under 3 years of experience

Level 2: Therapists with a minimum of 3 years and up to 8 years of experience

Level 3: Therapists with a minimum of 8 years of experience and up

If you are not using insurance, RAFT’s fees for therapy sessions are as follows:

Appointment Description

Appointment Duration


Level 1

Level 2

Level 3

1st appointment – intake assessment for individuals, couples, and families

16 - 60 minutes





Individual therapy session

53 minutes





Couples therapy sessions

53 minutes





Family therapy session

53 minutes





Brief individual therapy session

38 - 52 minutes





Shortened individual therapy session

16 - 37 minutes





Therapy fees are based on a 53-minute clinical hour rather than a clock hour to allow time for review of notes and record-keeping. 

FAQ: Will insurance cover my problem? How about CO Medicaid? 

Sometimes. If stress, anxiety, addictions, or overwhelming emotions are taking over your daily life and interfering with work, relationships, and living a healthy life, then insurance will usually cover some sessions. In order to cover some or all of your care, insurance does require that your therapist provide a mental health diagnosis to show the insurance company that this care is medically necessary. The number of sessions and specific dollar amount covered will vary depending on your individual insurance plan. 

Sometimes we may feel completely overwhelmed and be dealing with things we absolutely need help and support with, but insurance may label our care as “medically unnecessary”. In these cases, we offer private pay rates and limited sliding scale options on a case by case basis. 

In some cases, insurance and CO Medicaid, including CO Access and CCHA, might request additional information to determine your benefits. Our team is transparent in sharing these requests with you and planning your treatment to best fit your needs. 

FAQ: How do I know what my insurance will cover? 

You can call the number on your health insurance card and ask about your telehealth benefits for out-patient mental health. In addition, RAFT Counseling will verify your benefits and provide you with a summary of what your insurance will and will not cover. However, this information is never guaranteed, and you are encouraged to confirm directly with your plan.