Comprehensive Insurance and Self-Pay Therapy Services
Insurance
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I am currently in-network with most insurance plans under:
Aetna
Cigna
Kaiser
UnitedHealthcare
Some branch off plans network separately and may consider me an out-of-network provider, please contact me with your insurance information to confirm if I am in-network.
I am out-of-network with ALL other insurance plans. Please note: My name comes up as an in-network provider on many insurance panels because I am credentialed through another organization where I provide inpatient services only. Each organization has separate insurance contracts so this does not mean I am in-network through my practice.
Several insurance plans offer up to 80% reimbursement for out-of-network services. If I am out-of-network with your insurance provider, I am happy to provide a SuperBill which you can submit to your insurance company for potential reimbursement, depending on your out-of-network coverage.
​If you have insurance but don't want them knowing all your business, you have the option to "opt out" of using insurance and receive services through self-pay. This allows for several benefits as insurance companies dictate clinical decisions such as length of treatment, frequency/length of sessions, and mandated mental health diagnosis for reimbursement. They are also able to request records to determine if they view services as "medically necessary" based on factors outside of clinical benefit. If insurance deems treatment to not meet "medical necessity" they can deny coverage. In the situation this occurs, even WITH insurance you would be responsible for the full rate.
Bypassing insurance allows the a greater degree of flexibility and privacy. Without having to provide a mental health diagnosis, your records can be kept completely secure and confidential. There will be no diagnosis on your permanent health record, and no one will ever know you’re in therapy unless you tell them.​
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​Self-pay rates are $200 for intake and $198 for subsequent 50 minute sessions. Sessions may be extended by 30-minutes for an additional $65.
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Will Insurance Cover My Problem?
Maybe. If stress, depression, anxiety, addictions, or overwhelming emotions are taking over your daily life and interfering with work, relationships, and living a healthy life, then insurance will usually cover some sessions. In order to cover some or all of your care, insurance does require that your therapist provide a mental health diagnosis to show the insurance company that this care is medically necessary. The number of sessions and specific dollar amount covered will vary depending on your individual insurance plan. Often Couples Counseling is not covered by insurance.
How Can I Find Out if Mental Health is Covered by My Insurance?
It is your duty to know your insurance policy. To obtain information about your policy, contact member services by calling the number on the back of your insurance card. While I can help with this, I may not always be able to determine specific fees you are responsible for until the first claim is processed, which can take 1-6 weeks.
Questions to Ask Your Insurance Provider
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Ask for CONFIRMATION that the services provided by Dr. Ashley Jarvis at Colorado Mental Wellness Collective are covered under your plan.
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Ask whether your plan covers ​Telehealth Services (video/telephone sessions).
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Ask if there is a limit to the number of session covered.
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Ask whether your plan is active for the date of service scheduled and whether it is your PRIMARY INSURANCE.
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Confirm whether or not your plan covers Outpatient Mental Health Services in an office setting.
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Ask whether your plan has a copay, deductible or coinsurance and/or any accumulations towards the OUT OF POCKET or DEDUCTIBLE maximum.
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Ask whether referrals and Pre-authorizations are required.
You are ultimately responsible for payment of all deductibles, co-payments, coinsurance amounts AND for payment for all services you receive from Colorado Mental Wellness Collective that are not paid for by your insurance provider.
Treatment
All treatment begins with an Intake Assessment lasting from 30-minutes to 1-hour. This is completed in the first session and entails a thorough biopsychosocial assessment (which is a fancy way of saying I will speak with you about significant information and events throughout your life) to develop a better understanding of your challenges and what could be maintaining them. Typically treatment goals will be identified by the end of this session, although this will be adapted collaboratively as needed throughout our work together.
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