Insurance Accepted at Agile Counseling

Plans we work with

Insurers change their networks and products often, and each carrier offers many plans. Before your first appointment, call us at (801) 597-9558 with your member ID and we will confirm that your specific plan is in network.

How to check your benefits in five minutes

1. Call the member services number on the back of your card.
2. Ask: "Is outpatient mental health, seen by a Licensed Clinical Social Worker, covered under my plan?"
3. Ask whether you have met your deductible, and what the copay or coinsurance is for a therapy session once you have.
4. Ask whether a referral or prior authorization is required. Most plans do not require one for therapy, but some do.
5. Ask whether telehealth is covered.
6. Write down the date, the representative's name and a reference number.

What the terms mean

Term	Plain English
Deductible	The amount you pay for covered care each year before the plan starts paying its share. Some plans cover therapy before the deductible is met; many do not.
Copay	A fixed amount you pay per session once the plan is paying, for example a set dollar amount per visit.
Coinsurance	A percentage of the contracted rate you pay per session once the plan is paying.
In network	The therapist has a contract with your plan. You pay the contracted copay or coinsurance; the plan pays the rest.
Out of network	No contract. You pay the therapist directly and may be reimbursed by your plan if it has out-of-network benefits.
Superbill	An itemized receipt with diagnosis and service codes that you submit to your plan for out-of-network reimbursement.

If your plan is not listed

You can still be seen. Options:

• Out-of-network benefits. Many PPO plans reimburse part of the cost of out-of-network therapy. Ask your insurer what percentage they reimburse and whether a separate out-of-network deductible applies. We provide a superbill on request.
• Self-pay. You pay the session fee directly and do not involve insurance. Under the federal No Surprises Act, self-pay and uninsured clients receive a written Good Faith Estimate of expected charges before care begins.
• Health savings accounts. Therapy is a qualified medical expense for HSA and FSA funds.

For what each option means for your wallet, see our guide to what therapy costs in Utah.

EMDR intensives and insurance

Agile Counseling offers a 90-minute EMDR intensive block. Coverage for sessions longer than the standard length varies by plan, so call us before booking an intensive and we will talk through how it works with your insurance. The fee is given by phone.

Frequently asked questions

Does Agile Counseling accept SelectHealth?

Yes, Agile Counseling is in network with SelectHealth. Because SelectHealth offers several plan types, call with your member ID so we can confirm your specific plan before the first session.

Do I need a referral to see a therapist in Utah?

Most commercial plans do not require a referral for outpatient therapy. Some HMO plans and some Tricare options do. Your insurer can tell you in one call, and we will check as well.

Is telehealth therapy covered by insurance?

Most plans we work with cover telehealth therapy the same as an office visit, but coverage is set plan by plan. Ask your insurer specifically about telehealth for outpatient mental health.

What if my insurance is not listed?

You can use out-of-network benefits with a superbill, pay directly as a self-pay client, or use HSA or FSA funds. Self-pay clients receive a Good Faith Estimate of charges before care begins.

Can I pay privately even though I have insurance?

You can ask to. Whether a session can be billed privately instead of to your plan depends on the terms of that plan's contract, so call us and we will go through it with you before you book.