Understanding your insurance and payment options

At K.A.S. Mental Health Therapy, we aim to make accessing quality mental health care as straightforward as possible. Explore the insurance plans we accept and learn about alternative payment solutions to ensure your therapy journey is seamless.

Accepted insurance plans & payment details

We've gathered important information regarding insurance acceptance and payment options to help you navigate your mental health care journey with clarity. Our commitment is to provide accessible and transparent services.

Which insurance companies and plans do you currently accept for therapy sessions?

We currently accept the following insurance providers:

  • Anthem Blue Cross and Blue Shield Indiana
    Indiana: 
  • Oscar (Optum)
    Texas and Indiana: 
    Minnesota: 
  • United Healthcare Medicare Advantage
    Texas and Indiana: 
    Minnesota: 
  • Quest Behavioral Health
    Texas and Indiana: 
  • Anthem EAP
    Indiana and Texas: 
  • Aetna
    Texas and Indiana: 
    Minnesota: 

What if someone's insurance isn't listed, or they prefer to pay out-of-pocket? What are their options?

For those preferring to pay out-of-pocket or whose insurance is not currently listed, we offer the following self-pay rates and payment plans:

  • 30-minute session: $40.00
  • 45-minute session: $50.00
  • 60-minute session: $90.00
  • 30-minute secure chat: $30.00
  • 45-minute secure chat: $35.00

Continued: Which insurance companies and plans do you currently accept for therapy sessions?

  • Oxford (Optum)
    Texas and Indiana:
    Minnesota: 
  • United Healthcare (Optum)
    Indiana and Texas: 
    Minnesota: 
  • Carelon Behavioral Health
    Texas
    Indiana
  • Blue Cross and Blue Shield of Texas
    Texas: 
  • Cigna
    Texas and Indiana: 
    Minnesota: 
  • Blue Cross and Blue Shield of Minnesota Medicare Advantage
    Minnesota: 
  • Blue Cross and Blue Shield of Minnesota
    Minnesota: 
  • Blue Cross Blue Shield of Massachusetts
    Virtual Network

 

Aetna Networks

  • ACS Benefit Services
  • Allied Benefit Systems
  • Angle Health
  • Aspirus Health Plan
  • ASR Health Benefits
  • Auxiant
  • Boon Group
  • Boon‑Chapman
  • Curative Health Plan
  • EBMS
  • Evolution Healthcare (EVHC)
  • Gravie Administrative Services
  • HealthEZ
  • Lucent Health
  • Luminare Health
  • Marpai Health
  • Nippon Life Benefits
  • Personify Health
  • S & S Health
  • Trustmark
  • WebTPA

Cigna Networks

  • 90 Degree Benefits (Caprock, Houston, North Carolina)
  • Allegiance
  • Allied Benefit Systems
  • Ameriben Solutions
  • Assured Benefit Administrators
  • Boon Chapman
  • Centivo
  • Cigna
  • Delta Health Systems
  • EBMS
  • Evolution Healthcare (EVHC)
  • Gravie Administrative Services
  • Health Plans, Inc.
  • HealthEZ
  • Healthgram
  • HealthSmart Benefits
  • Lucent Health
  • Marpai Health
  • Nesika Health
  • Personify Health
  • Simplified Benefits Administrators
  • SisCo
  • The Loomis Company
  • UPMC Health Plan
  • Uprise Health (HMC Healthworks)
  • Unite Us

UnitedHealthcare Networks

  • GEHA
  • HealthScope Benefits
  • Medica
  • Meritain Health
  • Oxford Health Plans
  • Surest
  • SutterSelect
  • UMR
  • UnitedHealthcare
  • UnitedHealthcare Global
  • UnitedHealthcare Shared Services
  • UnitedHealthcare Student Resources
  • UnitedHealthcare / Golden Rule

Partners Direct Health

  • Ameriben Solutions
  • American Plan Administrators
  • BRMS
  • Core Management Resources
  • Diversified Administration Corporation
  • Edison Health Solutions
  • EBMS
  • HealthSCOPE Benefits
  • IBA
  • Insurance Program Managers Group
  • Insurance Services of Lubbock
  • Luminare Health
  • MedBen
  • Personify Health
  • SisCo
  • The Health Plan
  • TLC Benefits Solutions
  • Total Plan Concepts
  • Varipro

First Health Network

  • Aither Health
  • Health Plans, Inc.
  • Magnacare
  • Medica
  • Samera Health
  • The Health Plan

Additional Accepted Plans

  • All Savers Health Plans
  • Banner Health
  • CareFactor
  • Centivo
  • ClaimDOC (including affiliated administrators)
  • Compass Rose Health Plans
  • Consociate Health (MN only)
  • Curative Health Plan
  • Dean Health Plan by Medica
  • Evernorth
  • Firefly Health
  • First Choice Health
  • Gravie Administrative Services
  • HealthSmart Benefits
  • Imagine Health (IN & TX)
  • Imagine360
  • Indiana University Health Plans (IN only)
  • Oscar Health
  • Peak Health (MN only)
  • Sana Benefits
  • Sidecar Health
  • The Alliance
  • Unified Group Services

 

Before your first therapy appointment, only three forms need to be read and signed to set up through insurance. Co-pays are necessary at the time of service, and there is an option to pay directly online securely.

Important things to know about using insurance for therapy

Insurance can be helpful, but it can also be confusing. We believe clients are best served when they understand how their benefits work before starting therapy, so there are no surprises later. Here are a few important things to keep in mind:

Insurance coverage varies widely

Even if we are in-network with your insurance, coverage depends on your specific plan, not just the insurance company. Plans can differ in:

  • Copays or coinsurance
  • Deductibles
  • Session limits
  • Coverage for telehealth
  • Requirements for referrals or prior authorization

Because of this, we encourage clients to contact their insurance provider directly to confirm benefits.

You are ultimately responsible for understanding your benefits

While we’re happy to provide billing information and codes, insurance companies do not allow therapists to verify benefits with full accuracy on a client’s behalf.

This means:

  • Insurance estimates are not guarantees of payment
  • Claims may be adjusted or denied later
  • Any balance not covered by insurance becomes the client’s responsibility

We strongly recommend confirming:

  • Your copay or coinsurance
  • Whether your deductible applies
  • Whether authorization is required
  • How many sessions are covered per year

Diagnosis is required for insurance billing

Insurance companies require a mental health diagnosis in order to reimburse services. This diagnosis becomes part of your medical record with your insurer.

Some clients are comfortable with this; others prefer private-pay services to maintain greater privacy. We’re happy to discuss this so you can make an informed choice.

Session limits and medical necessity

Insurance companies may:

  • Limit the number of sessions per year
  • Require proof of “medical necessity”
  • Deny claims if progress does not meet their criteria

Therapy focuses on your goals, but insurance coverage is based on their rules. This can sometimes influence frequency or duration of care.

Navigating your path to well-being

We believe in transparent and supportive care. If you have questions about your insurance or payment options, please don't hesitate to reach out. We're here to help you focus on what matters most: your mental health.