Fees & Insurance
Clear, Straightforward Information
Choosing a counselor is important. Understanding the financial side of counseling should be straightforward, too. Below is an overview of accepted insurance plans, private pay, and what you can expect before your first appointment.
Insurance
Insurance Accepted
Likens Counseling currently accepts:
Blue Cross Blue Shield of Oklahoma
Coverage depends on your individual plan. Copays, deductibles, and coinsurance may apply.
Optum / UnitedHealthcare
Many Optum and UnitedHealthcare plans are accepted. Benefits vary based on your employer and specific policy.
Private Pay
If you prefer not to use insurance, or your plan is not accepted, private pay appointments are available.
Insurance coverage varies from plan to plan. Whenever possible, benefits are verified before your first appointment, but clients remain responsible for understanding their individual coverage, including deductibles, copays, coinsurance, and any non-covered services.
Why Some Clients Choose Private Pay
Some clients prefer not to involve insurance because they value additional privacy, have high deductibles, or simply want greater flexibility in treatment. Private pay allows counseling without insurance requirements or diagnosis-driven limitations.
No Surprises
Fees, payment policies, insurance information, and financial questions are reviewed before or during your intake appointment so you know what to expect before beginning treatment.
Fees
Session Fees
Fees are reviewed before or during intake so you know what to expect before starting counseling. If you are using insurance, your final cost depends on your specific plan, including copays, deductibles, and coinsurance.
Initial Intake
The first appointment is used to review your concerns, history, goals, paperwork, and treatment options. Intake appointments may be slightly longer than standard sessions.
Individual Counseling
Ongoing counseling sessions are typically approximately 53–60 minutes and may include practical skill building, trauma-focused work, EMDR therapy, or other evidence-based approaches.
Extended EMDR Sessions
Extended EMDR sessions may be available when clinically appropriate. These are discussed in advance so expectations, timing, and fees are clear.
Do You Verify Insurance?
Whenever possible, insurance benefits are checked before your first appointment. However, insurance verification is not a guarantee of payment. Final coverage decisions are made by your insurance company after claims are processed.
What If My Insurance Does Not Cover Counseling?
If your plan does not cover services, if you have a high deductible, or if you prefer not to use insurance, private pay is available. We can review options before beginning treatment.
Payment
Payment is typically collected through the secure client portal. Copays, coinsurance, deductibles, and private pay balances are generally due at the time of service unless another arrangement has been discussed in advance.
Cancellation Policy
If you need to cancel or reschedule, please provide as much notice as possible. Late cancellations or missed appointments may result in a fee that is not covered by insurance.
No Surprises Act
Good Faith Estimate
If you are not using insurance, or if you are choosing not to use insurance, you have the right to receive a Good Faith Estimate explaining the expected cost of services. This estimate is intended to help you understand the potential cost of care before treatment begins.
If you receive a bill that is substantially higher than your Good Faith Estimate, you may have rights under the No Surprises Act. Questions about fees, billing, or expected costs can be discussed before services begin.
Helpful Questions
Questions to Ask Your Insurance Company
If you want to better understand your benefits, you may contact your insurance company and ask:
Mental Health Coverage
Do I have outpatient mental health benefits for individual psychotherapy?
Telehealth
Are telehealth counseling sessions covered under my plan?
Cost
Do I have a copay, deductible, or coinsurance for outpatient counseling?
Authorization
Is prior authorization required for outpatient psychotherapy services?
Questions About Cost?
Let's Talk Before You Begin.
It is normal to have questions about insurance, fees, and payment before starting counseling. My goal is to make the process as clear as possible so you can make an informed decision about care.