Insurance Accepted & Payment Plans

Cash payments

Generally, our sessions range from $100-$150 per session. We do offer special consideration (sliding scale) for those who may not have mental health coverage, are underinsured, or are full-time students.

Insurance payments

Midwest Counseling LLC is an in-network provider with over 30 insurance carriers.

If you are planning to use your insurance benefits to pay for your therapy, we will collect the appropriate information via the forms in our intake packet, and provide you with a checklist to verify your coverage with your carrier. (You may want to use this list to discuss coverage with your carrier prior to your first appointment.)

Our offices will also call your insurance company to verify your coverage – including which of our therapists are covered on your policy, what your deductible and co-pays are, as well as whether there are any restrictions on your policy. We will call you back with this information - you are welcome to discuss it with your therapist at any time.

We do our best to ensure there are no surprises. However, your insurance company makes the final decision on how all services are covered. Any unpaid charges remain your responsibility. If needed, Ardent will be happy to work with you to create a payment plan.

Some questions you may wish to ask your insurance provider:

  1. Does my policy cover counseling or mental health services?
  2. Does my policy have a deductible?
  3. (If so) Have I met my deductible yet this year?
  4. How much is my co-pay per session?
  5. Is there a dollar or number of sessions limit in my policy?

If you have any questions regarding your insurance policy coverage for Midwest Counseling services, please contact us (see form below). We will be happy to work with you to answer your questions.

For your convenience, our providers participate with many insurance networks including but not limited to

  • ACA / "Obamacare" (Most Panels)
  • Aetna
  • Amerihealth
  • Anthem Blue Cross Blue Shield (BCBS)
  • Beacon Health Strategies
  • CIGNA
  • Coventry Health Care of Iowa
  • EAP (check with your company, we can serve almost any EAP)
  • Harken Health
  • HealthLink
  • HealthSmart / lnterplan Health Group (IHG)
  • HFN
  • Humana
  • Iowa Hawkeye (children)
  • Iowa Medicaid
  • LifeSynch (a Humana Company)
  • Magellan
  • Midlands Choice
  • Molina Healthcare
  • Multiplan / PHCS
  • Optum
  • Next Level Health Insurance
  • PsycHealth
  • Tricare
  • Unicare
  • UnitedHealthCare/li>
  • ValueOptions
  • Wellcare
  • Wellmark Blue Cross Blue Shield

Please check with your individual insurance carrier or our office to find out if a particular provider in our group is in your network.

As a courtesy to our client’s whom we are in network with your insurance plan, our billing staff will submit claims on your behalf to your insurance carrier. If we are out of network with your insurance plan your fee for services are due at the time of your appointment. If you are out of network we will provide you with the appropriate documentation to submit to your insurance plan.

You are responsible for your deductible, co-payment, or any co-insurance. We expect co-payments to be made at each visit so that we may keep our billing costs down. We also request that we have a credit card on file for each client so that we can settle your account once your insurance company determines what your financial responsibility is. If you are unable to provide us with a credit card, we ask that you make your co-payment and pay off any remaining balance at each visit.

Our fees are based on the educational level of the provider you wish to see and are divided into three tiers: physician, psychologist, and master’s level clinician. These fees apply to those individuals who wish to pay out of pocket for services and NOT utilize their insurance benefits. If you are paying out of pocket for services, we will provide you with these fee schedules at the time of your initial visit. If you choose to use your health insurance, then each provider who participates in that network has agreed to receive the contracted rate that the company has determined for a particular service rendered. Please note that certain services ARE NOT REIMBURSABLE BY INSURANCE. These services include school visits made on behalf of the patient (time and travel expenses apply), extended psychotherapy sessions beyond what insurance will cover, phone calls to collateral sources (e.g., telephonic contact made on client’s behalf to another doctor, school representative, lawyer, etc.), and a missed appointment fee for any appointments not kept where 24 hour’s notice of cancellation was not given.

If you should have any questions or need clarification, please call our office. We look forward to assisting you with your treatment needs.