Insurance and Fees at Thrive Counseling

One of the most common reasons people delay starting therapy is uncertainty about cost. We want to make that part as simple and transparent as possible.

At Thrive Counseling for Healing and Connection we accept most major insurance plans — which means for many clients the cost of therapy is limited to their copay, coinsurance, or deductible. We verify benefits before your first session so you know what to expect financially before you begin.

Insurance Plans We Accept

Thrive Counseling for Healing and Connection is in-network with the following insurance plans:

  • Anthem / BlueCross BlueShield

  • Aetna — individual therapy through Thrive Counseling only

  • UnitedHealthcare / Optum

  • Medicare

  • Most Virginia Medicaid plans — including Anthem HealthKeepers Plus, Aetna Better Health of Virginia, Optima Health, and others. Note: We do not accept Aetna Better Health Medicaid.

  • Cigna — out of network only; superbills available for possible reimbursement

  • Tricare — out of network only; superbills available for possible reimbursement

If your plan is not listed reach out and we will do our best to help you understand your options

What Does Insurance Cover?

Most insurance plans cover individual therapy sessions when provided by a licensed clinician. Coverage typically includes:

  • Individual therapy for adults

  • Individual therapy for teens and children

  • Telehealth therapy sessions

  • Trauma-informed therapy and EMDR

  • Anxiety treatment and life transitions counseling

  • Chronic illness and medical trauma support

Coverage varies by plan. Your specific benefits — including your copay, deductible, and number of covered sessions — depend on your individual policy. We recommend contacting your insurance provider before your first session to ask specifically about your mental health outpatient benefits.

Clients Without Insurance or With Out-of-Network Benefits

If you do not have insurance or your plan is not one we accept — self-pay options are available. Fee information is provided upon scheduling or upon request in accordance with the No Surprises Act.

If you have out-of-network benefits through Cigna, Tricare, or another plan we do not accept in-network — we can provide a superbill after each session that you may submit to your insurance company for possible reimbursement. The amount reimbursed depends on your specific out-of-network benefits.

A Note About We Thrive Together

Couples therapy, family therapy, groups, and intensive services are provided through our sister practice We Thrive Together and are offered on a private pay basis. Insurance does not typically cover couples or family therapy.

For more information about We Thrive Together services and fees visit we-thrive-together.com.

The No Surprises Act

In accordance with the No Surprises Act you have the right to receive a good faith estimate of expected charges before beginning services. A good faith estimate is available upon scheduling or upon request at any time. If you have questions about this please reach out to our intake team at info@heal-connect-thrive.com or (540) 371-0328.

How to Verify Your Benefits

Not sure what your insurance covers? Here are the steps:

  1. Call the member services number on the back of your insurance card

  2. Ask specifically about outpatient mental health benefits

  3. Ask whether telehealth sessions are covered at the same rate as in-person

  4. Ask about your copay, coinsurance, and deductible for mental health services

  5. Ask whether there is a limit on the number of sessions covered per year

Our intake team is also happy to help walk you through this process when you reach out.

Ready to Get Started?

Once you connect with us our intake team will review your insurance information and help clarify your coverage before your first session. You won't be left guessing about cost.

Connect with us to get started.Still have questions? Reach out here.

Questions About Insurance and Fees

  • Yes. Thrive Counseling for Healing and Connection is in-network with Anthem, BlueCross BlueShield, Aetna, UnitedHealthcare, Medicare, and most Virginia Medicaid plans. Most clients pay only their copay, coinsurance, or deductible. Reach out and our intake team will help verify your specific benefits before your first session.

  • Yes. We accept most Virginia Medicaid plans including Anthem HealthKeepers Plus, Optima Health, and others. We do not accept Aetna Better Health Medicaid. If you are unsure whether your specific Medicaid plan is accepted please reach out and we will help clarify.

  • Yes. Thrive Counseling accepts Medicare for individual therapy services. Note that Beth Collins, LCSW, and Chris Biddix, LPC are opted out and not in network with Medicare — if you are specifically requesting either of these clinicians and have Medicare please ask about superbill options when you reach out.

  • We are not in-network with Tricare. However we can provide a superbill after each session that you may submit to Tricare for possible out-of-network reimbursement depending on your specific plan benefits.

  • We are not in-network with Cigna. If you have Cigna we can provide a superbill after each session for possible out-of-network reimbursement depending on your plan's out-of-network benefits.

  • Self-pay options are available for clients without insurance or whose plan is not accepted. Fee information is provided upon scheduling or upon request in accordance with the No Surprises Act. Reach out to discuss your options. We have masters level interns that provide reduced rate sessions through Open Path. https://openpathcollective.org/

  • Yes — in most cases. Major insurance plans cover telehealth therapy sessions at the same rate as in-person sessions. We recommend confirming your specific telehealth benefits with your insurance provider before your first session if you have concerns.