Rates & Insurance

We are private pay only, which means we do not accept any form of insurance, Medicaid, or CHP+ and do not bill insurance companies directly.

However, if your insurance plan includes out-of-network mental health coverage, we can provide you with a detailed invoice that includes a monthly Superbill the and CMS 1500 form needed to submit to your insurance company. If you would like to take advantage of your out-of-network mental health coverage, please let your provider know at the onset of services. You can also use your HSA funds to help pay for the sessions. 

Why private pay?

At Play Therapy Connection, we choose not to bill insurance directly for several important reasons—one of which is to protect your child’s privacy and flexibility in care. Insurance companies require a formal mental health diagnosis in order to authorize and reimburse for services. This diagnosis then becomes part of your child’s permanent medical record and may place limitations on the number or type of sessions covered.

By operating as a private pay practice, we’re able to focus on your child’s unique needs without being constrained by diagnostic labels or insurance requirements. This gives us the freedom to create an individualized, developmentally appropriate therapeutic experience—centered on connection, regulation, and healing.

Our therapists are approved providers for the metro area victim compensation boards and accept payment from any victim compensation board as payment in full. 

Lindsay Stenzel and Ashley Sutherland are partnered with Second Wind Fund Grant, a Colorado non-profit that fully reimburses for services if your child is considered at-risk for suicide. If accepted, the Second Wind Fund Grant will cover 12-20 sessions at no cost to you - reach out here for more information. 

Payment is due in full at the time of the appointment. We accept cash, check, debit and credit cards. Each of our therapists have a limited number of reduced fee sessions available during daytime hours. If you need to discuss a reduced fee, please inquire when setting up your initial intake appointment. 

If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you may be charged for the full rate of the session. Please contact us for any additional questions you may have. We look forward to hearing from you!

Some families elect to use their insurance’s out-of-network benefits to help pay for Play Therapy. If you plan to utilize your out-of-network benefits, it is helpful to let your therapist know at the onset of services, and your therapist can provide you with a monthly superbill and CMS 1500 form, along with other needed documentation. 

If you elect to use your out-of-network benefits, insurance companies can and do request documentation to determine if the services provided meet medical necessity criteria as established by an insurance carrier. 

Listed below are helpful tips and questions for your insurance provider when determining your out-of-network benefits. I also recommend using the website https://www.mentaya.com/ for help navigating your out-of-network insurance benefits. 

Questions to ask your insurance provider when determining out-of-network benefits:

1. Does my policy cover out-of-network services provided by a Licensed Clinical Social Worker (LCSW)? My provider is located in Colorado.

2. What documentation is required to determine medical necessity for reimbursement? I will be paying for services at the time of service, and the provider will then provide a superbill that will include the date of service, the CPT code, the location, and the diagnosis code.

3. What CPT codes are covered? These are codes that the time and type of service.

4. Are there any diagnoses that are not eligible for reimbursement? 

5. How many sessions are covered per year?

6. Is there a lifetime maximum on benefit? 

7. What is my out-of-network deductible and when does that restart (enrollment year or calendar year)?

8. What percentage of the session fee is eligible for out-of-network reimbursement? 

9. What is the payment schedule or turnaround time from claim received to payment sent?

10. What is the number for claims if a claim is denied?

Please contact us to get this process started and let your therapist know your are interested in reimbursement.