Every goal has steps. Every person has a stage.

Every goal has steps. Every person has a stage.

Insurance & Payment — We Make It Straightforward

We believe financial barriers shouldn’t stand between you and support. Steps and Stages
accepts most major insurance plans, and our team will help you understand your coverage
before your first session.

INSURANCE

We Accept Most Major Insurance Plans

Steps and Stages is currently in-network with Aetna, Horizon BCBS, UMR, Optum, Oxford, and
United Health Care. FSA and HSA accounts accepted. Out-of-pocket rate: $210 / 45-minute
session. Sliding scale available based on need.

Aetna

Aetna

Horizon BCBS

Horizon BCBS

UMR

Optum

Oxford

United Health Care

All Blue Cross Blue Shield Plans

OUT-OF-POCKET & SLIDING SCALE

No Insurance? No Problem.

For clients without in-network coverage, our standard rate is $210 per 45-minute session. A
sliding scale fee is available based on financial need — we’re committed to making therapy
accessible.
We also accept FSA (Flexible Spending Accounts) and HSA (Health Savings Accounts), as well
as all major credit cards and cash.

COVERAGE CHECKLIST

Before Your First Session — Check Your Coverage
Call the member services number on the back of your insurance card and ask:

  • Do I have outpatient mental health benefits?

  • Is telehealth therapy covered under my plan?

  • Do I need a referral from my primary care doctor?

  • What is my deductible, and how much has been met?

  • How many therapy sessions per year does my plan cover?

  • What is my copay or coinsurance per session?

Our Approach

We take a personalized, compassionate, and evidence-based approach to help you heal and grow.

Who We Work With

Children, teens, adults, and families. We provide support for every stage of life’s journey.

Insurance Information

We accept most major insurance plans to make quality care accessible and affordable.

Flexible & Convenient

Attend sessions from the comfort of your home. Day, evening, and weekend availability.

Your Right to a Good Faith Estimate

Under the No Surprises Act, you have the right to receive a Good Faith Estimate of expected
costs before beginning services. If you are uninsured or paying out-of-pocket, we will provide
this estimate in writing before scheduling your first session. Contact us at any time to request
one.

Book Your Free Consultation

Fill in your details below and we’ll reach out within 24 hours to schedule your free 15-minute intro call.