Making Therapy Accessible: We Simplify Using Insurance for Counseling

I know that figuring out how to pay for therapy can sometimes feel like yet another hurdle to getting the help you need. But trust me, there are many different ways we can work together to make sure finances don’t stand in your way. Whether you’re using insurance or prefer an alternative option like the sliding scale fee structure, I’m committed to ensuring therapy is accessible for everyone, including those in the St. Louis area. One of the most common questions I get from new clients is, “What happens if I have a high deductible?” Or, “What if I can’t meet my co-pay?” If you’re worried about how your coverage works with out-of-pocket costs, let’s walk through the details together. I’ll help you understand what your insurance benefits really cover and how we can create a plan that works best for you. If your provider isn’t in-network, that doesn’t mean therapy is out of reach. Many clients have found that their out-of-network benefits still offer significant coverage for their sessions. I can work with you to submit claims for reimbursement, helping you get the most out of your St. Louis counseling services. Whether it’s UMR, Aetna, or another carrier, we can explore what out-of-network benefits might look like for you. For example, one of my clients, Jamie, has UMR insurance and was unsure if therapy was even an option because I wasn’t in-network at the time. After looking at their policy, we realized that they could still submit claims for reimbursement with just a bit of paperwork. We worked together to make sure everything was submitted correctly, and now Jamie is attending regular therapy sessions without feeling the financial burden they were once worried about. Whether you’re working from home or just juggling a packed schedule, I know that sometimes getting into the office can be tough. That’s why I offer telehealth counseling services for clients across St. Louis and beyond. Most insurance providers, including United Healthcare, UMR, and Aetna, cover telehealth sessions just like in-person appointments, so you can access therapy wherever you are. I’ve found that many clients—whether they’re managing anxiety, ADHD, or navigating life’s challenges—appreciate the flexibility and convenience of telehealth. Like my client Sarah, who struggles with social anxiety. She found that doing sessions from the comfort of her home made it much easier to open up and get the support she needed without the extra stress of traveling to an appointment. If you’re unsure about what your insurance covers or you have specific questions about starting therapy, I’m here to help. Together, we can figure out the best way to make therapy work for you—whether through your insurance plan, using out-of-network benefits, or exploring sliding scale options. It’s all about making sure you feel supported, not stressed, when it comes to getting help. If you’re ready to start, contact me today, and we can explore what options are available to you. Let’s make this journey as smooth as possible, whether you’re anywhere across the St. Louis area or the state of Missouri.