Insurance & Rates for Therapy in Missoula, MT

We accept many major health insurance plans for individual therapy and counseling. Plans and therapist participation can change, so insurance acceptance is not guaranteed based solely on the insurance company name.

• We commonly work with:

• Aetna

• Allegiance

• Blue Cross Blue Shield

• Cigna

• First Choice Health

• Medicaid

• Medicare

• Mountain Health CO-OP

• Optum

• PacificSource

• TRICARE

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Insurance participation varies by therapist. Our care coordinator can help determine which therapist may be able to use your specific insurance plan and help you understand your options before beginning therapy.

 

If you don't see your insurance company listed, contact us anyway. Your plan may offer out-of-network benefits, or another payment option may be available.

The cost of therapy depends on your insurance plan, your therapist, and whether you are using insurance or private pay.

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When you use insurance, your out-of-pocket cost may include:

• Copay: A fixed amount you pay for each therapy session.

• Coinsurance: A percentage of the allowed cost of your session.

• Deductible: The amount you may need to pay before your insurance begins covering certain services.

• Out-of-network costs: If your therapist is out-of-network, your plan may reimburse part of your therapy cost depending on your benefits.

 

Your insurance company determines your specific benefits. We recommend confirming your mental health benefits with your insurance provider, even when our practice participates with your plan.

 

Our care coordinator can also help you navigate the process and identify a therapist who participates with your insurance whenever possible.

Many health insurance plans provide benefits for mental health and behavioral health services. Depending on your plan, insurance may help cover individual counseling for concerns such as:

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• Anxiety and excessive worry

• Depression

• Trauma and PTSD

• ADHD

• Stress and burnout

• Relationship concerns

• Life transitions

• Other mental health concerns

 

Coverage, deductibles, copays, coinsurance, and authorization requirements vary by insurance plan.

 

Your insurance company makes the final determination about coverage and your financial responsibility.

You may also choose to pay for therapy without using insurance. Private-pay therapy can provide additional flexibility when choosing a therapist and deciding how you want to approach treatment.

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Private pay may be a good option if:

• Your therapist is not in-network with your insurance plan.

• You have a high deductible.

• You prefer not to submit therapy claims to your insurance.

• You value additional privacy around your mental health care.

• You want greater flexibility in choosing a therapist or treatment approach.

• Your insurance does not cover the type of therapy you are seeking.

 

Private-pay rates vary by therapist and service. Please contact us for current rates and availability.

Possibly. Some insurance plans provide out-of-network mental health benefits, which may allow you to receive partial reimbursement for therapy from a therapist who is not in your insurance network.

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When applicable, we can provide a superbill, which is a detailed receipt containing information you can submit to your insurance company to request reimbursement.

 

Whether you receive reimbursement, and how much your insurance company pays, depends on your individual insurance plan.

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Before beginning therapy, contact your insurance company and ask about:

 

• Out-of-network mental health benefits

• Your deductible

• Coinsurance

• Reimbursement rates

• Whether preauthorization is required

• Any limits on outpatient therapy services

Many clients use health-related spending accounts to help pay for eligible therapy expenses.

 

Depending on your plan, you may be able to use:

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• Health Savings Accounts (HSA)

• Flexible Spending Accounts (FSA)

• Other eligible health spending accounts

 

Check with your plan administrator or account provider to confirm eligibility and requirements.

Peaks and Valleys Therapy offers online therapy throughout Montana, giving clients the option to meet with a therapist from the comfort and privacy of home.

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Many insurance plans cover telehealth mental health services, although coverage varies by plan.

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Online therapy can be especially convenient for:

• College students

• Busy professionals

• Parents and caregivers

• People living in rural Montana communities

• Clients with demanding schedules

• People who prefer the convenience of telehealth

 

Our online therapy services provide the same individualized, relational approach to counseling while allowing you to meet with your therapist remotely.

 

For clients looking for online therapy in Montana, our care coordinator can help determine which therapists offer telehealth and whether they may participate with your insurance.

 

Learn More About Online Therapy in Montana

We know that figuring out insurance coverage can feel overwhelming. Our goal is to make getting started with therapy as simple as possible.

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When you contact Peaks and Valleys Therapy, we can help you:

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• Identify therapists who may accept your insurance

• Understand your available therapy options

• Find a therapist who fits your needs and preferences

• Discuss scheduling and availability

• Answer general questions about copays and deductibles

• Explore private-pay options

• Explain how out-of-network benefits and superbills work

 

Insurance benefits are ultimately determined by your insurance company, but you don't have to navigate the process alone.

Do you accept insurance for therapy?

Yes. Peaks and Valleys Therapy accepts many major insurance plans for individual therapy in Missoula, Montana. Insurance participation varies by therapist, so our care coordinator can help match you with an appropriate therapist based on your insurance and needs.

 

Do you accept Medicaid?

We work with Medicaid for certain therapy services and therapists. Because participation can vary, contact us to determine which therapists and services may be available through your specific plan.

 

Do you accept Medicare?

We work with Medicare for certain therapy services and therapists. Please contact us so we can determine availability based on your specific coverage and the therapist you are interested in seeing.

 

Do you accept insurance for couples counseling?

Couples counseling is generally not billed to insurance at our practice. Couples may use private pay for relationship and couples therapy. Contact us for current rates and availability.

 

What if you don't accept my insurance?

You may still have options. Depending on your insurance plan, you may have out-of-network benefits that allow you to receive reimbursement for a portion of your therapy costs.

We can also discuss private-pay options and help you determine which therapists may be a good fit.

 

How do I know how much therapy will cost me?

Your exact out-of-pocket cost depends on your insurance benefits, including your deductible, copay, coinsurance, and whether your therapist is in-network.

 

We encourage you to contact your insurance company directly for the most accurate information about your benefits. Our care coordinator can help you understand the general process and connect you with a therapist who fits your insurance whenever possible.

 

Do you offer online therapy?

Yes. Peaks and Valleys Therapy offers secure online therapy to clients throughout Montana.

 

Availability and insurance participation vary by therapist.

 

Do you offer private-pay therapy?

Yes. Private-pay therapy is available, and rates vary by therapist and service. Contact us for current rates and availability.

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How do I get started?

The easiest way to get started is to complete our Get Matched form. We'll learn more about what you're looking for and help connect you with a therapist who fits your needs, preferences, insurance, and schedule.

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Get Matched With a Therapist

Whether you're looking for anxiety therapy, trauma counseling, ADHD therapy, depression therapy, relationship counseling, couples counseling, or another type of mental health support, finding the right therapist is an important first step.

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Peaks and Valleys Therapy provides therapy and counseling in Missoula, Montana, with online therapy available across Montana.

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We're here to make finding the right therapist—and understanding the cost—easier.

Get Matched