Investing in therapy is an investment in yourself. We have options to make your investment work for you.
It is important to RAFT that we offer quality and accessible treatment. We accept insurance.
Our counselors accept insurance and CO Medicaid. We are in-network with many major insurances including Cigna, UHC, Bright Health, Friday Health Plans, and Colorado Medicaid – CO Access and CCHA. Importantly, please call us to confirm that a specific therapist is able to accept a certain insurance plan.
First, please contact us directly to review your specific plan and determine if we are able to provide in-network services. Importantly, “In-network” means that we are contracted providers for these insurance plans and can accept payments from these panels. Please note that most insurances do not credential us as a group but as individuals. This means that not all of our providers are in-network with the same insurance panels. In addition, not all insurance plans cover mental and behavioral health.
We are considered “out-of-network” providers for some insurance plans. In these cases, it is an option to pay for your sessions and we will provide you a superbill that you can submit to your insurance for reimbursement. To sum up this confusing information, we are happy to offer you a guide to determine your out of network mental health benefits.
Don’t want your information shared with your insurance? We also offer private pay rates.
However, 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.
Subsequently, private pay options with RAFT therapists ranges from $75 – $250/ clinical hour. This includes our limited sliding scale options, and our extended EMDR sessions.
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.
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 understand life happens, please just communicate with us.
RAFT counselors accept insurance and CO Medicaid. It is important to note that insurance 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.
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 wor
k, 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 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 insurance card and ask about your telehealth benefits for out-patient mental health. In addition, RAFT Consulting 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.
Any Other Questions about counselors accepting insurance and CO Medicaid?
In conclusion, our administrative team is happy to answer any questions you may have before investing in therapy.