Insurance & Payments

Self-Pay (and Co-Pay)

• Accepted Payment Forms: 
• ​Cash, Check*, Visa, Master Card, Discover
• ​*$25.00 fee for returned checks

Reasons you may want to pay privately or “Out of Pocket”

• Many clients choose not to involve insurance companies in their mental health care. Their counseling is not limited by the diagnosis, treatment plan or session limits health insurance companies dictate. Insurance companies often limit the number of sessions and even the type of therapy. Many insurance companies do not cover couples/relational or family therapy.

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• To have therapy services covered under insurance, a mental health diagnosis must be made. This then becomes a part of your permanent health care record. This may lead to limitations such as denial for quality life insurance or health insurance later on. Additionally, since a mental health diagnosis must be made to obtain reimbursement, the insurance company has to know a lot of information about you to be covered. The insurance company can review all of your records at their discretion.

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• By paying privately or out of pocket, we can assure private pay clients the highest degree of privacy, flexibility, and control of their mental health record, as allowed by Colorado State law.

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• In addition, many insurance companies require a deductible to be met before they start paying, so you may be paying out of pocket anyway.

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• We will work collaboratively to decide how often to attend therapy and you decide what you want to focus on. You have the control, not the insurance company.

Insurance

Proudly Accepting the Following Insurance Benefit:​

• Anthem Blueshield/Bluecross 
• Cigna
• Health First Colorado Medicaid:
• Beacon (RAE2)​
• ColoradoAccess (RAE3)
• More coming soon!
• Teladoc Behavioral Health Provider (for distance clients)
• TRICARE (TRICARE WEST) 
• United Healthcare/Optum
• Aetna

Out-of-Network

Your counseling services may be eligible for reimbursement through out-of-network benefits, medical spending or health care savings accounts. Health insurance plans and benefits vary. If you are interested in using your health insurance to see one of our counselors, please call your insurance provider to inquire about reimbursement for out-of-network counseling services. (See below for questions to ask your insurance company). Aspen Summit will provide you with a receipt at the end of each month which you can submit to your insurance company for out-of-network coverage/reimbursement.

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If you would like to investigate the possibility of reimbursement for out-of-network coverage, please check your policy carefully and ask the following questions of your provider:

• Do I have mental health benefits?
• What is my deductible and has it been met?
• How many mental health sessions per the 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?
• What is the coverage amount per therapy session?
• Is approval required from my primary care physician?