Expert Therapy That Fits Your Life and Your Budget

Most of our clients pay only their standard office visit co-pay—typically the same as a visit to your primary care doctor

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Insurance & Fees

We believe in transparency when it comes to the cost of your care. While we accept many insurance plans, every individual policy is different. Understanding your specific coverage is the best way to avoid unexpected costs.

Accepted Insurance Plans

Access to care should be simple. That’s why we’ve partnered with more than 30 insurance carriers to keep your out-of-pocket costs as low as possible. We are constantly adding new plans to our list, so if you’re looking for a specific provider, just ask!

aetna health insurance is accepted by Lamplight counseling services for counseling

medical mutual health insurance is accepted by Lamplight Counseling Services for counseling

Caresource health insurance is accepted by Lamplight Counseling Services for counseling

Humana health insurance is accepted by Lamplight Counseling Services for counseling

Anthem Blue Cross and Blue Shield Health Insurance is accepted for Counseling

A Note on EAPs: While we appreciate the value of Employee Assistance Programs, our practice focuses on long-term clinical outcomes rather than the brief, short-term model used by EAPs. We do not accept or bill EAP sessions.

How therapy is paid for

Most therapy in the U.S. is priced by insurance companies, not by individual practices.
Whether a therapist works for a large online platform or a local counseling center, the amount insurance pays for a session is usually the same.

What changes is not the rate — it’s how care is delivered, who you’re paying, and how your benefits are used.

We accept insurance directly
We help you use out-of-network benefits when needed
We don’t bundle care into subscriptions
You pay for sessions, not access
And your insurer is paying for treatment, not a platform

If you have insurance, therapy through a local practice often costs about the same as online subscription therapy — but with more continuity, clinical oversight, and transparency.

We’ll help you understand your benefits before you begin so you can make an informed decision about what works best for you.

Subscriptions vs sessions

Some online therapy platforms charge a monthly subscription.

That fee gives you access to messaging, short check-ins, or a limited number of sessions with a therapist who is contracted through the platform.

For many clients, three to four in-person or telehealth sessions through insurance cost about the same as a monthly subscription — and can often be reimbursed even when we are out of network.

At Lamplight, therapy is billed per session — the same way medical or other behavioral health care is.
Your insurance applies to each visit, and you only pay your copay, coinsurance, or deductible amount for the care you actually receive.

For more on our services please see the link below.

Services

How to Verify Your Coverage

To protect yourself from surprises, we recommend calling the member services number on the back of your card before your first appointment.

Questions to ask the representative:

Is Lamplight Counseling Services, LLC an In-Network provider for my specific plan? (Tax ID: 47-1313153)
Do I have a Deductible for outpatient mental health? If so, how much is remaining?
Once my deductible is met, what is my Copay or Coinsurance for a 45-minute session? (CPT Code: 90834)
Does my plan require a Prior Authorization for office visits?

Key Insurance Terms

and how they affect your cost

Important: If You Have Two Insurance Plans

If you are covered by more than one insurance plan (for example, through your own employer and a spouse’s plan, or both parents for a child), we are required by law to follow Coordination of Benefits rules.

We Need Both Cards Up Front: If you don’t inform us of both plans, the insurance companies will eventually “retract” their payments once they discover the other policy. This can result in a large, unexpected bill for you months later.

Full Disclosure is Mandatory: If you don’t tell us about both plans, the insurance companies will eventually “claw back” their payments. This leaves you responsible for the full balance months after the session. By law, the Primary insurance must be billed first. The Secondary insurance will only consider the remaining balance after the primary has processed the claim.

The “Birthday Rule” for Children: If a child is covered by both parents, the primary insurance is usually determined by which parent’s birthday falls earlier in the calendar year (it’s not based on whose plan is “better” or who is the primary caregiver).

Pro Tip: If your coverage changes—even slightly—please let us know immediately. Using an old card or failing to disclose a new secondary plan is the #1 cause of insurance denials.

Deductible

A deductible is a fixed dollar amount you must pay out-of-pocket each year before your insurance company begins to pay for any services.

The Connection: If your plan has a deductible, you will pay the full contracted rate for your sessions until that “bucket” is filled. Your copayments or coinsurance usually do not start until after this amount is met.

Note: Not all plans have a deductible, but it is the #1 reason for “surprise” bills.

Copayment vs. Coinsurance

Once your deductible is met (or if you don’t have one), you will typically pay one of the following:

• Copayment (Flat Fee): A set dollar amount (e.g., $25) you pay per visit. This is the most common for standard office visits.
• Coinsurance (Percentage): A percentage of the total cost (e.g., 20%) that you pay, while the insurance covers the rest.

The Connection: Most plans use either a copay or coinsurance, but rarely both for the same service. For example: “I pay a $20 copay” OR “I pay 20% of the bill.”

Out-of-Pocket Maximum

This is the absolute limit on what you will pay in a single year for “In-Network” covered services.

The Connection: This includes everything you’ve paid toward your deductible, copays, and coinsurance. Once you hit this limit, your insurance company pays 100% of the allowed amount for the rest of the plan year.

Note: While there are “Out-of-Network” maximums, we focus on the In-Network maximum to ensure you know when your financial responsibility for covered care ends for the year.

The “Carve-Out” Rule

Sometimes, a company uses Medical Mutual for doctor visits but “carves out” mental health to a different company (like Optum). Check the back of your card under “Mental Health” or “Behavioral Health” to see who actually manages your benefits.

Quotes are not Guarantees

When we (or you) call insurance, they provide a “quote of benefits.” They legally do not guarantee payment until they receive and process a claim.

An Insurance Example

To see how these connect, imagine a session costs $200:

Situation #1: One Insurance Plan
Scenario A (High Deductible): You haven’t met your $2,000 deductible yet. You pay $200.
Scenario B (Standard Copay): You have no deductible or it’s already met. Your plan has a $25 copay. You pay $25.
Scenario C (Coinsurance): You’ve met your deductible and your plan has 20% coinsurance. You pay $40.

Situation #2: Dual Coverage (Primary & Secondary)
The Plan: Primary Insurance (Wife’s) and Secondary Insurance (Husband’s).
The Reality: We bill Wife’s insurance first. They might pay a portion and leave a $30 “Patient Responsibility.” Only then do we send that remaining $30 to Husband’s insurance.
The “Butt-Covering” Rule: If you don’t tell us about Wife’s insurance because Husband’s is “better,” Husband’s insurance will eventually find out, take back all the money they paid us, and you will be responsible for the full balance.

Quality care should be accessible

We’ll help you understand your insurance and what therapy will realistically cost.

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