Therapy you can Access

At Seeds of Healing Counseling, we believe therapy should be accessible and equitable. We offer multiple payment options, including insurance, out-of-network reimbursement, equity-based pricing, and financial assistance through the Loveland Therapy Fund.

🌱 In-Network Insurance

We are in-network with Blue Cross and Blue Shield, Aetna, United Healthcare, Optum, UMR, Oscar, and North Carolina Medicaid (Carolina Complete, Wellcare, Healthy Blue, Amerihealth Caritas, United Healthcare Community Plan). If you plan to use insurance, we encourage you to verify your benefits, including:
✔️ Co-pays and deductibles
✔️ Number of sessions covered
✔️ Pre-authorization requirements

PLEASE NOTE: AT THIS TIME, WE ARE NOT IN NETWORK WITH ILLINOIS MEDICAID

🌱 Out-of-Network Benefits

If we are not in-network with your insurance, you may be eligible for out-of-network reimbursement. We can provide a superbill, which you submit to your insurance provider for potential reimbursement.

To check your OON benefits, ask your insurance provider:
✔️ Do I have out-of-network mental health coverage?
✔️ What percentage of the session fee is reimbursed?
✔️ What is my deductible, and has it been met?
✔️ How do I submit a superbill for reimbursement?

We offer a sliding scale pricing model adapted from AORTA, designed to reflect your financial privilege and ensure fair pricing.

Self-Assessment: How to Determine Your Rate
To determine your therapy rate, reflect on the following questions:

  1. Are you and your family homeowners or landowners?

  2. Have you attended private education institutions or do you have an advanced degree?

  3. Are you able to make minimum payments on credit card bills?

  4. Are you able to access and afford healthcare or health insurance for yourself or your family?

  5. Do you have little to no debt and/or disposable income?

  6. Do you have a financial safety net (family, friends, savings)?

  7. Do you have U.S. citizenship?

  8. Does your income only support you (not other family members)?

  9. Have you or do you expect to inherit money or property?

  10. Have you (or could you have) attended college?

  11. Have you (or could you have) attended graduate school?

  12. Are you able to access and afford food regularly?

Rate Tiers for Individual Therapy

Fully Licensed Therapists:

  • Commitment: $210-$225 (Yes to 8-12 questions)

  • Honor (Full Cost): $185-$200 (Yes to 6-8 questions)

  • Embody: $160-$175 (Yes to 4-6 questions)

  • Embrace: Less than $100 (Yes to 1-4 questions)

  • Reparations: FREE (0 Yes)

Provisionally Licensed Therapists:

  • Commitment: $130-$150

  • Honor (Full Cost): $95-$125

  • Embody: $55-$90

  • Embrace: $35-$50

  • Reparations: FREE

🌿 Group Therapy & Workshops: We also offer sliding scale pricing for groups and community workshops. View our full Rate Structure.

Financial Assistance:

Loveland Therapy Fund

If cost is a barrier, you may qualify for The Loveland Foundation Therapy Fund, which provides vouchers for therapy sessions. Learn more and apply here: Loveland Foundation Therapy Fund.

If you need help selecting the best payment option, contact us at intake@sohcounseling.org or 980-206-4338.