At this time, Limitless Growth Therapy accepts Moda and United/Optum Health Insurance or self-pay/private-pay therapy clients. This means we do not work directly with all insurances, instead non-Moda or United clients will pay out of pocket for services with the option of submitting a reimbursement form to their insurance.
A Different Way to do Therapy
Individual sessions are a flat fee paid per session session scheduled.
Fees for intensive sessions vary based on length and structure, with rates beginning at $300 for a two-hour session. If you are interested in a one-time intensive or a customized multi-day experience designed to accelerate your progress, please reach out to discuss options and individualized pricing. Please note that insurance cannot be used for intensive therapy sessions.
On the Growth Model, clients pay a flat fee for a package of four 50-minute sessions.
Limitless Growth Therapy is IN NETWORK with Moda and United/Optum.
Why does LGT not work with more insurance companies directly?
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Many insurance companies will limit how many sessions a client can have before benefits run out. If you work with a therapist who specifically takes your insurance, you might run out of sessions before you feel ready to leave therapy or be forced to find another therapist with more reasonable rates to continue your therapeutic journey.
Furthermore, insurance mandates every client must be diagnosed with a disorder from the DSM-V-TR. By not billing insurances directly, therapists have more creative therapeutic freedom to tailor interventions to each client’s needs.
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In order to approve a service claim, therapists must provide all diagnostic information to insurances. This means your diagnosis, therapeutic goals, and individual session notes are submitted to insurance companies after each session to “prove necessity of services.”
Cash pay clients do not have to worry about their private health information going anywhere or potentially being denied for lack of necessity.
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Working with each insurance company comes with its own set of tedious enrollment paperwork to keep updated, occasional denial of claims made by the therapist, and frequent delays in reimbursing services. Utilizing a cash pay model frees up time spent fighting with insurances and helps eliminate headaches for therapists, while ensuring they are compensated appropriately for their services in a timely manner.
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Many insurance plans do not cover mental health benefits until deductibles have been met. If this is how your insurance works, you will likely pay out of pocket for those services for most of, if not the whole, year. Don’t limit finding the right therapist for you simply because you want one that takes your insurance!
Can I still use other insurance plans?
Yes! Your therapist can provide a superbill.
A superbill is a detailed receipt that your therapist can provide after a session. It includes all the information your insurance company needs to process an out-of-network reimbursement if your therapist doesn’t bill them directly.
What’s Included in a Superbill?
A typical superbill includes:
Your name and contact info
Your therapist’s name, license number, and NPI (National Provider Identifier)
Date and length of each session
CPT (procedure) codes for the type of therapy provided
A diagnosis code (required by insurance)
The fee charged for each session
Amount you’ve paid
How Do I Use It?
Ask your therapist for a superbill (usually monthly or after each session).
Submit it to your insurance company—most have an online portal or mail-in option.
Wait for reimbursement—if eligible, your insurance will send a check or apply credit toward your deductible.
Important Note:
Receiving a superbill doesn’t guarantee reimbursement. It depends on your insurance plan's out-of-network benefits. It’s a good idea to call your insurer and ask:
Do I have out-of-network coverage for mental health?
What is my deductible, and how much have I met?
What percentage of the session cost will you reimburse?
Good Faith Estimate Notice
Under the No Surprises Act, healthcare providers are required to provide clients who are uninsured or choosing not to use insurance with a Good Faith Estimate of expected charges for services.
You have the right to receive a Good Faith Estimate explaining the anticipated cost of your care. If you have questions about your estimate, please contact our office.
For more information about your rights under the No Surprises Act, visit www.cms.gov/nosurprises.
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