Using Insurance

I am an in-network provider for most major commercial insurance companies, including Blue Cross Blue Shield, Midlands Choice insurances (including Cigna and Meritain, among others), Medica (including Medica with CHI), Aetna, United (UMR/UBH/Optum), Ambetter, Nebraska Medicaid (NOTE: I cannot accept out-of-state Medicaid), Medicare, and probably some others, I don’t know, it’s honestly hard to keep track but I can find out about yours if you ask me.

I am NOT in-network with Tricare or Coventry.

If you would like to use your insurance but I am not your network, your company may cover our sessions at an out-of-network rate.

When planning to use insurance for coverage of our work together, please contact your provider in advance to ask about your mental health coverage. You might consider asking these questions:

  • What mental health services are covered under my plan?
  • How many sessions am I allowed or how much coverage is available to me?
  • Does my plan cover out-of-network providers?
  • What percentage of the fee will be covered?

I know a lot about insurance and can probably help you better understand your plan– but also, please keep in mind that knowing how your insurance works and what coverage it provides is your responsibility. You will ultimately be held responsible for session fees not covered by insurance.


For clients using insurance, your insurance company will be billed directly, and then you are then billed for whatever deductible amount/coinsurance your plan does not cover. Copay will be collected at each session (if applicable).

For clients interested in self-pay (not using insurance), please contact me to discuss payment.

Cash, check, and credit/debit cards (including HSA/FSA) are accepted for payment at the time of our session.

If you are a current client with billing questions, please contact Swenson Management.


If you cancel or reschedule 24 hours or more before your appointment time, there is no cancellation fee. Every client gets one freebie no show/late cancellation per year, and after that, there’s a fee for missed appointments, which are collected directly from the client (insurance does not pay for these).

Phone, email, and text are all okay ways to let me know you are cancelling.

If you miss a session, it’s your responsibility to reach out to me to reschedule. I generally don’t check in with clients if they no-show. Nothing personal–it’s more I want clients to be in the driver’s seat of their care.