Therapy Costs in Billings, MT
Rates & Insurance
Therapy should be accessible. Brighter Sky Counseling accepts most major insurance plans, offers transparent self-pay rates, and verifies your benefits before your first appointment, at no cost to you.
- Most major insurance accepted
- Benefits verified before scheduling
- HSA & FSA cards accepted
Current client? Pay your balance or manage your appointments.
Log in to Client Portal →Therapy should be accessible to everyone.
Cost is one of the most common reasons people put off therapy, and we take that seriously. We work with most major insurance providers, accept HSA and FSA cards, and our client care team will walk you through your options before you commit to anything. If you have questions about affordability, just ask. We will figure it out together.
Self-Pay Rates
Transparent pricing
These are our standard rates for clients who are uninsured, out-of-network, or prefer to pay privately. If you have insurance, your negotiated in-network rate applies instead, and it is typically lower than the rates below.
Intake & Assessment
$250 per sessionYour first visit includes a full clinical assessment to understand your needs and match you with the right therapist.
55-Minute Session
~$220 per sessionOur most common session length for individual, couples, or family therapy.
45-Minute Session
~$170 per sessionAvailable for follow-up appointments and certain care plans.
Group Sessions
Varies by group typeContact our client care team for current group options and pricing.
Using insurance? Your actual cost depends on your specific plan, deductible status, and copay. We verify your benefits as part of the intake process so you know what to expect before your first session. We cannot guarantee specific out-of-pocket amounts, and your insurance provider is the best source for that information.
Insurance Accepted
Insurance plans we accept
Brighter Sky Counseling is in-network with the following plans. Our client care team will confirm your coverage and verify your benefits before scheduling, at no cost to you.
- Blue Cross Blue Shield
- Cigna
- Aetna
- United Health Care
- Allegiance
- Pacific Source
- First Choice Health
- EBMS
- Montana Medicaid
- Medicare
- Crime Victims Compensation
- Mountain Health Co-opExcept Rocky Mountain Plan
In-network status varies by therapist. Not every provider at Brighter Sky accepts every plan listed above. Contact our client care team to confirm whether a specific therapist accepts your plan, or check insurance details on each therapist's page.
Understanding Your Coverage
What insurance actually pays for
Insurance can feel confusing, especially for mental health care. Here are the key terms that affect what you pay out of pocket. When in doubt, call your insurance provider or ask our team to help you understand your benefits.
Copay
A fixed amount you pay per session, regardless of your deductible. Common copays for therapy range from $20 to $60 per visit.
Deductible
The amount you pay out of pocket before insurance kicks in. If your deductible is not met yet, you may pay more per session early in the year.
In-network vs. out-of-network
Seeing an in-network provider like Brighter Sky typically costs you less. Out-of-network care may cost more or may not be covered at all.
Mental health parity
Federal law requires most insurance plans to cover mental health services at the same level as medical care. You have the right to use your benefits.
Payment
How to pay
Payment is collected at the time of service. We accept:
- Cash & check
- Credit & debit cards
- HSA cards
- FSA / HFA cards
Cost Questions
Frequently asked questions
Does Brighter Sky Counseling take my insurance?
We are in-network with Blue Cross Blue Shield, Cigna, Aetna, United Health Care, Allegiance, Pacific Source, First Choice Health, EBMS, Montana Medicaid, Medicare, Crime Victims Compensation, and Mountain Health Co-op (except the Rocky Mountain Plan). In-network status varies by therapist, so our client care team confirms your coverage before scheduling.
How much is the first therapy session?
The initial intake and assessment is $250 for self-pay clients. If you use insurance, your in-network rate, copay, and deductible determine what you pay, and we verify your benefits before your first visit.
How much does a regular therapy session cost without insurance?
A 55-minute session is about $220 and a 45-minute session is about $170. Group therapy pricing varies by group type. Rates are subject to change.
Can I use my HSA or FSA card for therapy?
Yes. We accept HSA and FSA cards, along with cash, check, and credit and debit cards. Payment is collected at the time of service.
Will you check my insurance benefits for me?
Yes. Our client care team verifies your benefits as part of intake, at no cost to you, so you know what to expect before your first session. We cannot guarantee specific out-of-pocket amounts, so we also recommend confirming your deductible and copay with your insurance provider.
Current client portal
Pay your balance, view statements, manage appointments, and update your information, all in one place.
Questions about cost? Just ask.
Our client care team will verify your insurance, explain your benefits, and make sure you know what to expect before you ever come in for your first visit.
Insurance eligibility requires verification and is not a guarantee of benefits or coverage. In-network status varies by clinician. Rates are subject to change. We verify your coverage as part of intake but cannot guarantee specific out-of-pocket amounts. Please confirm deductibles, copays, and coinsurance directly with your insurance provider. For a Good Faith Estimate of costs, see the link below.