Frequently Asked Questions

Benefits of Not Using
Insurance

​No documented diagnosis is required for treatment. No referral needed. Saving money when you have a high deductible plan.No sharing of your personal information with third party payers.You and the therapist get to decide length and frequency of treatment, not your insurance.

What is a Good Faith Estimate?

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.You can ask your health care provider for a Good Faith Estimate before you schedule an item or service.If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.Make sure to save a copy of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 800-985-3059.

Rates and Insurance

In-Network Providers

Blue Cross/Blue Shield

Health Partners

Cigna

Aetna

Optum

UBH

* UCARE-12/1/2025

Medicaid/PMAPs

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Navigating Insurance

To find out if our agency is in network, call the number on the back of your insurance card and follow the below script:

“Hello, I’m calling to find out about coverage for mental health services and confirm that Luminous Origins Therapy and Wellness is within network. Luminous Origins' NPI number is 1396547667 and the CPT codes used are 90791 and 90837. Can you please let me know if they are in network, and if I have any deductible, copay, or co-insurance costs?”  

It is highly encouraged to check with your insurance company regarding out of network benefits prior to scheduling our first appointment together.

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Out-of-Network Benefits

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You may also have out of network benefits that allow you to pay for a session. If this is the case, you may request a "superbill" from us to submit for reimbursement. Inquire by calling the back of your insurance card and asking the following questions: 

• Do I have out-of-network benefits for outpatient mental health?

• Is there a deductible that must be met first? How much is the deductible?

• What is the coverage amount for individual therapy? 

• How many therapy sessions does my plan cover?

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Individual Psychotherapy Rates​

Diagnostic Assessment

$275/50 minute 

Individual Therapy Session

$225/ 53 minute

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