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Aspen Counseling & Wellness therapists accepts the following insurances: 

  • Oscar Health

  • Oxford

  • United Healthcare

  • Cigna

  • Blue Cross Blue Shield

  • Lyra

  • Modern Health

Aspen Counseling & Wellness is an Out-of Network provider with all other insurances. (Out-of-Network and Private Pay are often used interchangeably.)

This means you have the option to file a claim through your insurance for reimbursement. It will be important for you to contact your insurance company to find out what and how much is covered. 

You will be provided with the necessary documents to submit a claim, should you chose to do so. 

There is a third-party service that can assist you in filing your Out-of-Network benefits: Get Better

Why Would I Want to Pay-Out-Of-Pocket vs using my Insurance?

Simply, paying out of pocket or private pay gives you more control. In order to use your insurance, the clinician will need to complete an assessment and diagnose the client. That diagnosis becomes a part of your health records and becomes a documented pre-existing condition. The diagnosis determines medical necessity which is used by insurances to determine how many sessions the client will need and course of treatment. 

A client who chooses to pay-out-of-pocket (also called private pay), maintains control over their records and course of treatment. There are many clients who don't have a diagnosis, instead they just need additional support as they develop new skills to assist with life transitions. 

Searching for a Blue Cross Blue Shield Therapist or United Healthcare Therapist?

Ask Your Insurance Company

  1. Do I have out-of-network outpatient mental/behavioral health benefits? 

  2. Is there a limit on how many mental health visits I receive per calendar year?

  3. Do I have a deductible, and how much of the deductible has been met?

  4. What is the patient co-insurance per therapist session? (Co-insurance is the percentage of the fee that you will ultimately be responsible for after your deductible is met. Your insurance company will cover the rest.)

  5. Is there an out-of-pocket maximum? (This means that after you pay a certain amount out-of-pocket, your insurance company should fully cover the cost of your visits.)

  6. Do I need pre-authorization from my doctor? 


  1. More privacy - while your records are private in accordance to HIPAA and Texas HB300, insurance companies require diagnosis information and will appear in your medical claims history.  Insurance companies can also audit your treatment plan and therapy notes, which can compromise confidentiality.

  2. More control - you along with your counselor will be able to determine the number of sessions needed to reach your therapeutic goals. Insurance companies limit the number of sessions and course of treatment depending on the mental health diagnosis. 

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