‍Insurance Coverage Billing Through Headway

In-Network Insurance Billing

Mountain Valley Behavioral Health partners with Headway to simplify insurance billing and payment management.

Through Headway, we accept most major insurance plans in Colorado and provide clients with an easy way to verify benefits and receive an instant cost estimate before beginning services.

Benefits of Using Headway

• Simple insurance verification

• Streamlined billing and payment management

• Instant session cost estimates

• Secure client portal access

Please Note: Headway is a separate service that manages all in-network insurance billing and payment processing.

Private Pay (Self-Pay) Option

Direct Payment for Therapy Services

Private pay allows you to invest in your mental health without the restrictions or limitations sometimes required by insurance providers.

Benefits of Self-Pay

• Confidentiality & Privacy – No insurance reporting or therapy records submitted to insurance companies.

• Flexibility & Customization – Treatment is guided by your needs rather than insurance requirements.

• Greater Clinical Freedom – Focus on personalized care without diagnosis limitations or session restrictions.

Payment Methods Accepted

• Credit & Debit Cards

• HSA/FSA Accounts

Superbills for Insurance Reimbursement

Out-of-Network Reimbursement Support

If you choose self-pay but would like to seek reimbursement through your insurance provider, we can provide a superbill after each session.

A superbill is an itemized receipt containing the information your insurance company may require for out-of-network reimbursement.

How Superbills Work

• Receive a superbill securely through your client portal.

• Submit the superbill directly to your insurance provider.

• Depending on your out-of-network benefits, your insurance company may reimburse a portion of your therapy costs.

Tip: Contact your insurance company and ask about your out-of-network mental health benefits. Many plans reimburse a percentage of therapy expenses.

Out-of-Network Benefits Through Thrizer

Simplified Reimbursement Processing

Mountain Valley Behavioral Health partners with Thrizer to help clients use their out-of-network benefits without the burden of paying the full session fee upfront and waiting for reimbursement.

How Thrizer Works

• Pay Only Your Estimated Copay – Instead of paying the full session cost upfront, you typically pay only your expected portion.

• Claims Managed for You – Thrizer submits claims directly to your insurance provider.

• No Waiting for Reimbursement – Thrizer advances payment while insurance processing occurs. This process often allows clients to save significantly upfront on therapy sessions.

Important Note: Thrizer is a separate company that independently manages out-of-network claims and reimbursement processing.

During your free consultation, we can help verify whether you have out-of-network benefits and provide an estimate of your expected copay or reimbursement eligibility.

Good Faith Estimates & Your Rights Under the No Surprises Act

Transparency in the Cost of Care

At Mountain Valley Behavioral Health, we believe that financial clarity is an important part of quality healthcare. Under the federal No Surprises Act, uninsured clients or those choosing not to use insurance have the right to receive a Good Faith Estimate (GFE) outlining the expected cost of therapy services before treatment begins.

A Good Faith Estimate is designed to help you understand and anticipate the potential costs associated with your care so you can make informed decisions about treatment.

What Your Good Faith Estimate Includes

Your estimate may include:

• The anticipated cost of therapy sessions

• Initial assessment or intake fees (if applicable)

• Expected frequency of sessions based on your treatment goals

• Any additional services discussed as part of your care plan

Because mental health treatment is individualized and clinical needs may evolve over time, your estimate reflects the information reasonably available at the time it is created.

Important Information About Therapy Costs

Therapy is not a one-size-fits-all process, and the total length or frequency of treatment cannot always be predicted in advance. Your needs, goals, progress, and preferences may change throughout treatment.

For this reason:

• A Good Faith Estimate is not a contract

• You are not obliged to attend a certain number of sessions

• Your treatment plan may change based on clinical recommendations and your personal goals

• Updated estimates may be provided if your services significantly change over time

We are committed to discussing any financial changes openly and proactively so there are no unexpected surprises regarding the cost of care.

Your Right to Dispute Unexpected Charges

If you receive a bill that is at least $400 more than the amount listed on your Good Faith Estimate, you have the legal right to dispute the bill through the federal patient-provider dispute resolution process.

You must initiate the dispute within 120 calendar days of receiving the bill.

Keeping Your Estimate

For your records, we encourage you to:

• Save a copy of your Good Faith Estimate

• Keep documentation related to your sessions and billing

• Ask questions at any time if you need clarification about fees or services

Learn More About Your Rights

For additional information about your rights under the No Surprises Act, visit: Centers for Medicare & Medicaid Services – No Surprises Act Information or call 1-800-985-3059 for assistance.

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