Insurance

Please check with your individual insurance plan to see if services are covered. Each plan is different.

Limitations and Advantages of Using Insurance

You should be fully informed about the limitations and advantages of using health insurance to help pay for mental health care. One of the largest benefits of insurance is that it can greatly reduce the out-of-pocket cost to you. This is often the main reason why people seek to use their coverage. However, while many plans offer some reimbursement for mental health care expenses, benefits can sometimes be limited. Insurance sometimes contains exclusions on the types of conditions covered and limits on the number of sessions allowed. Your insurance company may require that CVL share confidential and possibly sensitive personal treatment information with insurance company personnel for review and payment. Reviews may result in denial of coverage according to the insurer's policies. Many plans also include annual deductibles, which must be paid before the insurance covers services. In addition, insurance requires a diagnosis to authorize treatment. These diagnostic labels may follow you through life and interfere with your insurability later. Not using insurance may offer greater privacy. You may find that paying directly for a course of brief treatment is worth the added confidentiality. You are encouraged to carefully read the information in your policy and/or ask questions of your insurance company. You can then make better-informed decisions about using insurance coverage.

In-Network Insurance:

Some insurance plans accepted and more planned for the future. Currently, CVL accepts Aetna, Anthem EAP only (not Anthem BCBS), Behavioral Health Inc. (BHI), Cofinity, Coventry, First Health Network, Humana, Magellan, Multiplan, PHCS, Tricare, TriWest, and Wellpoint. Also accepting Medicaid and Medicare through Colorado Access.

Currently accepting:

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Please call Center for Valued Living, PLLC for more information AND inquire with your insurance company to see if the specific service you are seeking is reimbursed through your plan. It would be your responsibility to verify the terms under which mental health services would be covered, as each plan is different. It is suggested that you call your insurance provider BEFORE any services are rendered, asking:

  1. how many sessions are covered per year
  2. what your copay and coinsurance are
  3. if prior authorization or a referral is required
  4. if there are any exclusions written into your mental health policy
  5. if you have a deductible and if you have met that deductible

Out-of-Network Insurance Reimbursement:

If you would like to utilize out-of-network insurance for counseling, reimbursement is a possibility. You would pay the full fee to Dr. Griffiths at the time of service and then submit a claim directly to your insurance company for reimbursement. Detailed receipts can be provided for direct reimbursement for services from your insurance company. It would be your responsibility to verify the terms under which mental health services would be covered, as each plan is different. It is suggested that you call your insurance provider BEFORE any services are rendered, asking:

  1. how many sessions are covered per year
  2. what percentage of the fee is covered
  3. if prior authorization or a referral is required
  4. if there are any exclusions written into the mental health policy
  5. what information you would need from CVL to receive reimbursement directly from your insurance company
  6. if you have a separate out-of-network deductible which you must meet

The costs of psychological treatment may also qualify for reimbursement under health spending account benefit plans offered by many employers. Many clients choose to use their HSA credit account to pay for services. Check with your employer or plan administrator for details.