Fees & Insurance

At Bozeman Therapy & Counseling, we strive to make high-quality therapy accessible while providing transparency about costs and insurance coverage. Below, you'll find details about our session fees, insurance participation, and out-of-network options.

Session Fees

Our session rates vary depending on the provider:

  • Cindy Loux & Sarah Loux – $250 per session

  • Sarah Marsh – $200 per session (Note: Sarah Marsh cannot accept HMK due to licensing restrictions.)

In-Network Insurance

We are in-network with the following insurance providers:

  • Cigna

  • Mountain Health Co-Op

  • Allegiance

  • Acuity Group (Part of Aetna)

  • First Choice Health Network

  • PacificSource

  • Blue Cross Blue Shield (BCBS) Plans:

    • HMK – Healthy Montana Kids (Not accepted by Sarah Marsh)

    • MCN – Managed Care

    • PPO

    • PMC-PPO – Medicare Advantage

    • TRA – Traditional

    • FEP – Federal Employee Program

How In-Network Coverage Works

If you are covered by one of the insurance providers listed above, we have pre-negotiated rates with them, which reduces your out-of-pocket costs. Your actual cost per session will depend on:

  1. The agreed rate we have with your insurance carrier.

  2. How much your insurance covers based on your specific plan (i.e., copays, deductibles, and coinsurance).

Once you provide your insurance card, we can estimate your benefits. However, we will not have a final confirmation of your coverage until we receive a claim response from your insurance company. Claims typically take 30-90 days to process.

Out-of-Network Insurance & Superbills

If we are not in-network with your insurance provider, you can still see us as an out-of-network client. We can provide a Superbill (a detailed receipt of your sessions) that you can submit to your insurance provider for potential reimbursement.

We recommend contacting your insurance provider to ask about out-of-network benefits before starting therapy. Be sure to ask:

  • Does my plan include out-of-network mental health coverage?

  • What percentage of the session fee will be reimbursed?

  • Is there a deductible I must meet first?

  • How do I submit a Superbill for reimbursement?

Understanding Your Insurance Benefits

Once we receive your insurance card, we will verify your coverage and provide an estimate of your costs. However, please note:

  • We can only estimate your out-of-pocket costs before your first session.

  • Insurance claims take 30-90 days to process. After your first session, we will have a clearer picture of your actual coverage.

Questions?

If you have any questions about fees, insurance, or how to submit a Superbill, feel free to contact us. We’re happy to help you navigate your options.