Insurance & Payment Information

Insurance and Payment Information

At Alfrey & Pruitt Counseling, we believe mental health care should be accessible and affordable. We work with a variety of insurance providers and offer private pay options to help individuals, couples, families, children, and teens access the support they need.

If you have questions about coverage, our front office team is happy to verify your benefits before your first appointment.

Insurance Plans We Accept

We currently accept many major insurance plans, including:

✅ Blue Cross Blue Shield (BCBS)

✅ Aetna

✅ First Health

✅ Cigna / Evernorth

✅ Nebraska Total Care

✅ Ambetter

✅ WellCare

✅ Optum

✅ Molina Healthcare

✅ Medicare

✅ Tricare

✅ Nebraska Medicaid

✅ Nebraska CHIP

Insurance participation may vary by provider and plan. Please contact our office to verify current coverage.

Does Insurance Cover Therapy?

Many insurance plans provide coverage for mental health counseling, therapy, and behavioral health services.

Coverage varies depending on your specific plan and may include:

• Copays
• Deductibles
• Coinsurance
• Visit limitations
• Referral requirements

Our team can help you understand your benefits and estimate any out-of-pocket costs before treatment begins.

Medicaid and Medicare Therapy Services

Alfrey & Pruitt Counseling proudly accepts Nebraska Medicaid and Medicare plans.

We frequently work with clients covered through:

• Nebraska Medicaid
• Nebraska Total Care
• Molina Healthcare
• Nebraska CHIP
• Medicare

If you have questions about your specific plan, our administrative staff can help determine eligibility and coverage.

Can You Verify My Insurance Benefits?

Yes.

Before your first appointment, our team can verify:

• Mental health coverage
• Copays and deductibles
• Telehealth benefits
• Authorization requirements
• Provider participation status
• Estimated out-of-pocket costs

We encourage clients to contact our office before their first appointment if they have questions about insurance or billing.

What If My Insurance Is Not Listed?

If your insurance company is not listed above, you may still have options.

Depending on your plan, we may be able to:

• Bill as an out-of-network provider
• Provide superbills for reimbursement
• Discuss private pay options
• Help you understand available alternatives

Contact our office and we’ll help determine the best path forward.

Private Pay and Out-of-Network Services

For clients who do not have insurance coverage, have out-of-network benefits, or are seeking services that are not covered by their insurance plan, private pay options may be available.

If you have active insurance coverage with a plan for which we are contracted, we are generally required to bill your insurance according to our provider agreements.

Our team can help you understand your coverage, determine whether a service is covered, and explain any potential out-of-pocket costs before treatment begins.

Please contact our office with questions about insurance participation, private pay services, or billing policies.

Do You Offer Telehealth Through Insurance?

Many insurance plans cover telehealth counseling services.

Coverage varies by carrier and plan, but telehealth appointments are often covered similarly to in-person therapy sessions.

Our team can verify your telehealth benefits before your first appointment.

What Types of Therapy Are Covered by Insurance?

Many insurance plans provide coverage for services such as:

• Individual Therapy
• Child & Teen Counseling
• Family Therapy
• Trauma Therapy
• EMDR Therapy
• Anxiety Counseling
• Depression Treatment
• Addiction Counseling
• Maternal Mental Health Counseling

Coverage depends on medical necessity, plan benefits, and provider participation.

Understanding Copays, Deductibles, and Coinsurance

Insurance terminology can be confusing.

Copay

A copay is a fixed amount you pay for each therapy session.

Deductible

A deductible is the amount you must pay before your insurance begins sharing costs.

Coinsurance

Coinsurance is the percentage of treatment costs you may owe after your deductible has been met.

Our team can help explain how these costs apply to your specific insurance plan.

Frequently Asked Questions About Insurance and Payment

Do you accept Medicaid?

Yes. We accept Nebraska Medicaid, Nebraska Total Care, Molina Healthcare, and other Medicaid-related plans.

Do you accept Medicare?

Yes. We accept Medicare and can help verify your coverage before treatment begins.

Can you check my insurance before I start therapy?

Absolutely. Our front office team can verify your benefits and explain expected costs before your first appointment.

What if my insurance is out of network?

We may be able to provide out-of-network billing options or superbills for reimbursement, depending on your plan.

Can I pay privately for therapy?

Yes. Private pay options are available for clients who choose not to use insurance or whose services are not covered.

Does insurance cover telehealth therapy?

Many plans cover telehealth counseling services. Coverage varies by insurer and plan.

Will I know my costs before my first appointment?

We do our best to verify benefits and provide cost estimates before treatment begins. Final responsibility for understanding coverage remains with the insurance carrier and policyholder.

What forms of payment do you accept?

Please contact our office for current payment methods, billing policies, and payment plan options.

Contact Us About Insurance and Billing

Questions about coverage shouldn’t keep you from getting support.

📞 Call us at (308) 675-2858

📩 Contact Us Online

Our team is happy to help you understand your insurance benefits and get connected with the right therapist.