Insurance and Rates | Scarlett Tree Ranch

Insurance & Self-Pay Options

We offer both insurance-based services and self-pay options, depending on what works best for your needs, preferences, and situation.

We believe therapy should be accessible. If cost is a concern, please reach out. We're happy to talk through available options and find something that feels manageable for you.

Self-Pay / Pay-What-You-Can

Standard Rate: $150/hour

Many clients choose self-pay for the added flexibility, privacy, and control it provides over their therapy experience.

Benefits of Self-Pay:

Greater privacy and control over your medical records. Therapy records are maintained privately within our practice and are not routinely shared with insurance companies. Records are still maintained as required by law, and certain disclosures may be legally required.
No insurance-required diagnosis. You can seek support without needing a mental health diagnosis to justify insurance coverage.
Flexible scheduling, including longer or more frequent sessions when appropriate.
No insurance claims submitted, allowing your therapy to remain outside routine insurance claims and reimbursement records.

For some individuals, especially those working through complex or deeper experiences, longer sessions (such as 90 minutes) can be more supportive and effective.

Sliding-Scale / Pay-As-You-Can

If $150/hour isn't workable, please reach out. We offer flexible, pay-what-you-can options when possible, with the goal of making therapy accessible while sustaining the practice.

Some options may not be available to Medicaid or CHP+ members due to program coverage and billing requirements.

Payment Options

We accept HSA/FSA cards, cash, checks, credit cards, and Venmo for eligible self-pay services.

HSA/FSA funds may be used for qualifying therapy expenses, subject to your plan's rules.

Superbills (Out-of-Network Reimbursement)

For clients using insurance plans we are not in network with, superbills are available upon request for potential out-of-network reimbursement.

A diagnosis is required for insurance reimbursement.
Please request superbills in advance so the appropriate documentation can be prepared.
Clients are responsible for checking with their insurance provider regarding out-of-network benefits and reimbursement eligibility.

Using out-of-network benefits may provide greater flexibility in session length and frequency while offering the possibility of partial reimbursement.

Superbills allow you to seek reimbursement directly from your insurance company while maintaining some of the flexibility of self-pay. In most cases, communication with the insurance company is handled by the client unless additional documentation is formally requested.

Reimbursement amounts vary by plan and are not guaranteed. Submitting superbills also involves sharing certain diagnostic and treatment information with your insurance company.

Single Case Agreements (SCA)

In some circumstances, we may be able to request a Single Case Agreement with your insurance company to help cover therapy services, even when we are not in network.

If you have out-of-network benefits, please contact us to discuss whether requesting an agreement may be an option for your situation.

Single Case Agreements are reviewed individually by insurance companies and are not guaranteed.

Using Insurance

If you plan to use insurance, we currently work with the following plans:

Direct Insurance Billing:

Colorado Medicaid
CHP+
UnitedHealthcare
Carelon

Through Alma Billing:

Aetna
Anthem / Blue Cross Blue Shield
Carelon

Coverage and network participation may vary depending on your specific plan. Please contact us to verify eligibility before scheduling.

What to Know About Using Insurance

Insurance can be a helpful option for many clients. However, insurance-based therapy is considered medically necessary healthcare and comes with specific requirements.

A qualifying mental health diagnosis is generally required.
Treatment must meet medical necessity criteria.
Session frequency and duration may be influenced by clinical needs and insurance coverage.
Certain diagnostic and treatment information must be shared with insurance for claims processing and coverage determinations.
Extended sessions are not be covered by your insurance plan.

Whether you choose to use insurance or self-pay, the goal is the same—to create a space where you feel supported, understood, and able to do meaningful work.

Insurance & Self-Pay Options

We offer both insurance-based services and self-pay options, depending on what works best for your needs, preferences, and situation.

We believe therapy should be accessible. If cost is a concern, please reach out. We're happy to talk through available options and find something that feels manageable for you.

​

Self-Pay / Pay-What-You-Can

​

Standard Rate: $150/hour

Many clients choose self-pay for the added flexibility, privacy, and control it provides over their therapy experience.

Benefits of Self-Pay:

Greater privacy and control over your medical records. Therapy records are maintained privately within our practice and are not routinely shared with insurance companies. Records are still maintained as required by law, and certain disclosures may be legally required.

No insurance-required diagnosis. You can seek support without needing a mental health diagnosis to justify insurance coverage.

Flexible scheduling, including longer or more frequent sessions when appropriate.

No insurance claims submitted, allowing your therapy to remain outside routine insurance claims and reimbursement records.

For some individuals, especially those working through complex or deeper experiences, longer sessions (such as 90 minutes) can be more supportive and effective.

​

Sliding-Scale / Pay-As-You-Can

​

If $150/hour isn't workable, please reach out. We offer flexible, pay-what-you-can options when possible, with the goal of making therapy accessible while sustaining the practice.

​

Some options may not be available to Medicaid or CHP+ members due to program coverage and billing requirements.

Payment Options

​

We accept HSA/FSA cards, cash, checks, credit cards, and Venmo for eligible self-pay services.

HSA/FSA funds may be used for qualifying therapy expenses, subject to your plan's rules.

​

Superbills (Out-of-Network Reimbursement)

​

For clients using insurance plans we are not in network with, superbills are available upon request for potential out-of-network reimbursement.

A diagnosis is required for insurance reimbursement.

Please request superbills in advance so the appropriate documentation can be prepared.

Clients are responsible for checking with their insurance provider regarding out-of-network benefits and reimbursement eligibility.

Using out-of-network benefits may provide greater flexibility in session length and frequency while offering the possibility of partial reimbursement.

Superbills allow you to seek reimbursement directly from your insurance company while maintaining some of the flexibility of self-pay. In most cases, communication with the insurance company is handled by the client unless additional documentation is formally requested.

Reimbursement amounts vary by plan and are not guaranteed. Submitting superbills also involves sharing certain diagnostic and treatment information with your insurance company.

​

Single Case Agreements (SCA)

​

In some circumstances, we may be able to request a Single Case Agreement with your insurance company to help cover therapy services, even when we are not in network.

If you have out-of-network benefits, please contact us to discuss whether requesting an agreement may be an option for your situation.

Single Case Agreements are reviewed individually by insurance companies and are not guaranteed.

​

Using Insurance

​

If you plan to use insurance, we currently work with the following plans:

Direct Insurance Billing:

Colorado Medicaid

CHP+

UnitedHealthcare

Carelon

Through Alma Billing:

Aetna

Anthem / Blue Cross Blue Shield

Carelon

Coverage and network participation may vary depending on your specific plan. Please contact us to verify eligibility before scheduling.

​

What to Know About Using Insurance

​

Insurance can be a helpful option for many clients. However, insurance-based therapy is considered medically necessary healthcare and comes with specific requirements.

A qualifying mental health diagnosis is generally required.

Treatment must meet medical necessity criteria.

Session frequency and duration may be influenced by clinical needs and insurance coverage.

Certain diagnostic and treatment information must be shared with insurance for claims processing and coverage determinations.

Extended sessions are not be covered by your insurance plan.

​

Whether you choose to use insurance or self-pay, the goal is the same—to create a space where you feel supported, understood, and able to do meaningful work.