Insurance & Billing
Making quality mental health care accessible and affordable. We work with you to navigate insurance benefits and payment options so you can focus on your well-being.
Accepted Insurance Plans
We accept most major insurance plans to help make mental health care accessible. We are committed to helping you understand your benefits and minimize out-of-pocket costs.
Don't see your insurance listed? Contact us — we are continually adding new insurance panels. We will verify your benefits before your first appointment to help you understand your coverage and any out-of-pocket costs.
Iowa Medicaid Provider
Iowa Medicaid & BHIS Services
We are proud to be an enrolled Iowa Medicaid provider, ensuring that individuals and families who rely on Medicaid have access to professional mental health services in our community.
We accept all three Iowa Medicaid Managed Care Organizations (MCOs):
- Wellpoint Iowa
- Iowa Total Care
- Molina Healthcare
BHIS — Behavioral Health Intervention Services
Behavioral Health Intervention Services (BHIS) are available for qualifying Iowa Medicaid members. These community-based services provide additional support for individuals and families dealing with behavioral health challenges.
BHIS may include skills training, individual and family support, and crisis intervention services delivered in the home and community settings.
Learn More About BHISUnderstanding Your Benefits
Navigating insurance can feel overwhelming. Here is a straightforward guide to help you understand the key terms and what to expect.
Verifying Your Coverage
We verify your insurance benefits before your first appointment so there are no surprises. Our team will confirm your coverage, explain your financial responsibility, and answer any questions you may have.
What to Have Ready
- Your insurance card (front and back)
- Member ID number
- Group number (if applicable)
- Date of birth of the policyholder
Simply call our office or provide this information during your intake process, and we will take care of the rest.
Copays, Deductibles & Coinsurance
Copay: A fixed amount you pay for each visit. For example, your plan may require a $25 copay per therapy session. This amount is due at the time of your appointment.
Deductible: The amount you pay out-of-pocket before your insurance begins covering services. Once your deductible is met, your insurance starts paying its share.
Coinsurance: After your deductible is met, coinsurance is the percentage of costs you share with your insurance. For example, your plan may cover 80% while you pay 20%.
Payment is due at the time of service. We will inform you of your estimated cost before your first visit.
Prior Authorization
Some insurance plans require prior authorization (pre-approval) before certain mental health services can begin. This is a standard process your insurance company uses to confirm that the requested services are medically necessary.
We handle the authorization process for you. Our staff works directly with your insurance company to obtain any required approvals so your care is not delayed.
If prior authorization is needed for your services, we will notify you promptly and explain what it means for your treatment plan. In most cases, this process does not delay the start of your care.
Affordable Options for Everyone
Self-Pay & Sliding Scale
We believe everyone deserves access to quality mental health care regardless of insurance status. If you are uninsured, underinsured, or prefer not to use insurance, we offer flexible payment options to help make therapy affordable.
- Self-pay rates available for all therapy services
- Sliding scale fee schedule may be available based on household size and income
- No one will be turned away solely due to inability to pay
- Payment plans can be discussed on a case-by-case basis
Please contact our office to discuss self-pay rates and explore which options may work best for your situation. Our staff will work with you confidentially and without judgment.
Our Commitment to You
Financial concerns should never be a barrier to getting the help you need. We are committed to working with every client to find a path to care that fits their budget.
Whether you have private insurance, Medicaid, Medicare, or no insurance at all, we are here to help. Reach out to us, and together we will find a solution.
No Surprises Act — Your Rights
Federal law protects you from unexpected medical bills. Here is what you need to know.
Important Notice: No Surprises Act (Effective January 1, 2022)
Under the No Surprises Act, you have the right to receive a Good Faith Estimate of the expected cost of your care. This estimate explains the expected charges for medical items and services, including mental health services.
If you are uninsured or choose not to use your insurance, you have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency health care services before they are provided.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you may dispute the bill. You have the right to ask for an updated Good Faith Estimate at any time during your treatment.
Billing Questions & Answers
We want the billing process to be as transparent and stress-free as possible. Here are answers to the questions we hear most often.
Payment is due at the time of service. We collect copays, coinsurance, and self-pay fees at check-in or at the beginning of your appointment. This helps us keep administrative costs low and focus our resources on providing you with the best possible care.
We accept the following forms of payment for your convenience:
- Cash
- Personal checks
- Credit cards (Visa, MasterCard, Discover)
- Debit cards
Please talk to us. We understand that financial situations change, and we do not want cost to be a barrier to your mental health care. Contact our office to confidentially discuss your situation. We may be able to offer a sliding scale fee, payment plan, or other arrangements to help you continue your care without interruption.
After your appointment, your insurance company will send you an Explanation of Benefits (EOB). This is not a bill — it is a statement from your insurance company that explains what was billed, what they covered, and what (if any) balance remains.
If there is an outstanding balance after your insurance processes the claim — for example, if the amount applied to your deductible is more than what was collected at your visit — we will send you a statement. If you have questions about any bill you receive, please do not hesitate to call our office.
If your insurance company denies a claim, we will work with you and your insurance to understand why the claim was denied and explore options for resolution. In many cases, denied claims can be resolved through additional documentation or an appeal.
We will keep you informed throughout the process and advocate on your behalf. You will never be left to navigate a denied claim on your own.
Yes. If we are out-of-network with your insurance plan, we can provide you with a superbill — a detailed receipt that includes all the information your insurance company needs to process a reimbursement claim. You can submit this directly to your insurance company to seek reimbursement for out-of-network services.
We recommend contacting your insurance company first to understand your out-of-network mental health benefits, including any applicable deductibles and reimbursement rates.
If your insurance information changes — whether you have a new insurance card, a different plan, or a change in coverage — please contact our office as soon as possible. You can call us at (641) 856-2688 or let your therapist know at your next appointment.
Keeping your insurance information current helps us bill correctly and ensures you receive the full benefits available under your plan. We will re-verify your benefits whenever your information changes.
Questions About Billing or Insurance?
Our friendly staff is here to help you understand your benefits, discuss payment options, and answer any billing questions. Do not let financial concerns keep you from getting the care you deserve.