Frequently Asked Questions (FAQ)

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

Insurance We Accept (Starting Spring 2026)

We will begin accepting:

• Optum
• Cigna
• Aetna

This transition will happen gradually:

• Insurance services will initially be available 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 accept insurance, and availability will vary by provider and location.
 

What if you don’t take my insurance?

If your insurance is not listed above—or if your preferred counselor is not accepting insurance—you are still welcome to move forward as a self-pay client.

Many of our clients choose this route so they can:

• Select the counselor who is the best fit for them
• Avoid limitations set by insurance companies (such as session caps or required diagnoses)
• Maintain greater privacy and flexibility in their care

If desired, you may also be able to use out-of-network benefits for partial reimbursement by submitting a Superbill.
 

How to use Out-of-Network Benefits

If your plan offers out-of-network coverage and we do not accept your insurance, we can provide a Superbill for you to submit.

Before getting started, we recommend asking your insurance company:

• “Do I have out-of-network benefits for outpatient mental health services?”
• “What is my out-of-network 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 typically partial
• Many plans do not reimburse for couples or family counseling unless medically indicated
   

What is a Superbill?

A Superbill is an itemized receipt that includes the insurance codes needed for you to submit a claim to your insurance company.

Depending on your plan, you may:

• Receive partial reimbursement for services
• Have payments applied toward your out-of-network deductible

Every plan is different, so we recommend contacting your insurance provider before your first session to understand your benefits.
 

Can Cornerstone contact my insurance for me?

For clients using in-network insurance (Optum, Cigna, Aetna), our team will handle billing claims on your behalf.

For all other insurance plans:

• We do not contact insurance companies or verify out-of-network benefits
• You will be responsible for submitting Superbills and working directly with your insurance provider for reimbursement

If your therapist is unable to assign a diagnosis code, your Superbill may be incomplete and could be denied by your plan.

If using in-network insurance outside of the plans listed above (or Medicare) is your only option, we recommend contacting your insurance provider for a list of in-network providers in your area.
 

Important considerations when using insurance

While insurance can make counseling more accessible, there are a few important things to keep in mind:

• 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 equipping you with the information you need to make the best decision for your care.
 

Still have questions?

We’re here to help guide you through the payment process and explore your options. Please don’t hesitate to text/call us at 303-902-3068, or email info@christiancounselingco.com — we’d love to support you in taking the next step.