Most Wildflower clinicians are in network with Blue Cross Blue Shield PPO and Blue Choice plans. Some members of our team are also in network with United PPO/Optum. If you plan to utilize your mental health benefits, we will file claims to insurance for you. We are also out-of-network providers for many insurance companies which means that we do not bill them directly. We will give you a statement that you can submit for out-of-network reimbursement.
We encourage you to call your insurance company and carefully check your mental health benefits as you are ultimately responsible for the full cost of therapy. Here are some questions you should find answers to:
- Do I have mental health benefits?
- Is my therapist in-network?
- What is my deductible and has it been met?
- Do I have a copay?
- How many mental health sessions per calendar year does my insurance plan cover?
- How much does my plan cover for an out-of-network mental health provider?
- How do I obtain reimbursement for therapy with an out-of-network provider?
- Is approval required from my primary care physician?
If you are using insurance we are contracted with, only your copay (which varies depending on your plan) is due at the time of your session. If you are using out of network insurance, full payment is due at the time of the session. We accept cash, check, major credit cards and HSA cards.
If the required fee is a barrier to your therapy, please talk with your therapist when arranging your first appointment. A reduced fee may be offered based on clear financial difficulty.
Feel free to call if you have any questions about fees and insurance. We are happy to assist!
What are the pros and cons of using insurance benefits to pay for psychotherapy?
Using your insurance policy to pay for psychotherapy allows you to substantially reduce your cost per session. This being said, there are certain disadvantages associated with utilizing your insurance benefits that you should be aware of. In order to pay for services, insurance companies mandate that we provide a clinical diagnosis and sometimes release additional information such as a treatment plan or copies of your clinical record. We will make every effort to release the minimum information needed to satisfy such requests. Some clients are uncomfortable with this limit of confidentiality and choose to pay for services privately.