Restored Life Counseling is generally in network with many major commercial insurance plans, including Aetna, Ambetter, Blue Cross Blue Shield, Cigna, QualChoice, UnitedHealthcare, UMR, Municipal Health Benefits, and TRICARE.

Coverage can vary by provider, plan, network, and service type. Some therapists may not be in network with every plan listed, and psychological testing coverage may differ from counseling coverage. Please contact our office if you have questions about whether your plan may be accepted.

Yes. Restored Life Counseling is not in network with Medicare, Medicaid, or ARKids.

We also cannot accept plans that are connected to Medicare or Medicaid coverage, including certain dual or hybrid plans that may involve a commercial insurance company but process through Medicare or Medicaid-related benefits. This can include some UnitedHealthcare or UMR plans that interact with Medicare or Medicaid.

If you are unsure whether your plan falls into this category, please call the number on the back of your insurance card before scheduling.

No. Restored Life Counseling does not bill secondary insurance.

If you have a secondary plan, you are responsible for any balance not covered by your primary insurance. We recommend reviewing your benefits directly with your insurance company so you understand your coverage before beginning services.

We collect the expected client responsibility at check-in, including copays, deductibles, or coinsurance.

A copay is a set amount you pay for a covered service. A deductible is the amount you must pay before your insurance begins paying toward certain services. Coinsurance is a percentage of the allowed cost that you pay after your deductible or plan rules apply.

If your card is declined, payment must be resolved before the session begins. For telehealth clients, we will notify you by text if your card is declined and ask you to update payment promptly.

If insurance does not cover services, the self-pay rate for counseling is $150 per hour.

The self-pay rate for psychological testing services is $200 per hour. Testing costs vary depending on the type and complexity of the evaluation.

We do our best to gather benefit information before your first appointment once you complete intake paperwork and provide insurance details. However, benefit information is not a guarantee of payment, and clients are responsible for understanding their own insurance coverage.

Insurance claims usually take 7–14 business days to process, depending on the insurance company.

We are committed to communicating with you in a timely manner about urgent billing matters, such as rejected claims, missing information, or insurance issues that may affect your account. You may also review your insurance portal or call the customer service number on your insurance card to better understand your benefits and claim status.