Choose Your Level of Christian Counseling

For many years, Cornerstone Christian Counseling has operated as a private-pay practice. Beginning in 2026, we are excited to begin accepting a limited number of insurance plans as part of a phased rollout.
 

Insurance We Accept (Starting Spring 2026)

We will begin accepting the following insurance plans:

• Optum
• Cigna
• Aetna

This transition will happen gradually:

• Insurance services will initially be offered through our student intern program (Tier 1 clinicians)
• We plan to expand access across our clinical team over time
• Our goal is to have insurance options available across multiple clinician tiers by August 2026

Please note: Not all clinicians will accept insurance, and availability may vary by location and provider.
 

If We Don’t Accept Your Insurance

If your plan is not listed above—or if your preferred counselor is not accepting insurance—you can still access care at Cornerstone as a self-pay client. Many of our clients choose to:

• Use HSA or FSA funds
• Utilize out-of-network benefits through their insurance
   

Paying with HSA or FSA Cards

We gladly accept Health Savings Account (HSA) and Flexible Spending Account (FSA) cards, as long as they have a major credit card logo. These accounts often cover individual counseling services, particularly when tied to a diagnosable mental health condition such as anxiety, depression, PTSD, or addiction. However, there are some limitations:

• Marriage or family counseling is typically not eligible, unless part of a treatment plan for a diagnosable condition
• We recommend checking with your plan administrator or tax advisor if you’re unsure
   

Using Out-of-Network Benefits (Superbills)

If your insurance plan offers out-of-network reimbursement, we can provide a Superbill (an itemized receipt with the necessary insurance codes) for you to submit to your insurance company. We recommend contacting your insurance provider before your first session and asking:

• “Do I have out-of-network benefits for outpatient mental health services?”
• “What is my deductible, and has it been met?”
• “How do I submit a Superbill for reimbursement?”

Please note:

• Payment is due to Cornerstone at the time of service
• Reimbursement is not guaranteed and is often partial
• Many plans do not reimburse for couples or family counseling unless medically indicated
   

Important Considerations When Using Insurance

While insurance can make counseling more accessible, there are a few important things to be aware of:

• A mental health diagnosis is required and becomes part of your medical record
• Insurance companies may request access to clinical information, such as treatment plans or progress notes
• You may still have out-of-pocket costs, including deductibles, co-pays, or co-insurance
• Not all services (such as couples or family therapy) are typically covered
• Not all clinicians are eligible for insurance reimbursement

We believe in helping you make an informed decision about your care—whether that involves using insurance or choosing to self-pay.
 

Have Questions or Need Help Deciding?

We understand that navigating payment options can feel overwhelming—especially with these new changes. Our team is here to help you understand your options and find the best fit for your needs. Please don’t hesitate to reach out—we’d love to walk alongside you in the process.