Access to mental health and speech therapy services should be simple, transparent, and flexible. That’s why we offer a variety of payment options to meet your individual needs—whether you’re using insurance, paying out-of-pocket, or using tax-advantaged accounts like HSAs and FSAs.
We are in-network with several major insurance providers. Using insurance is one of the most common therapy payment options, and we’re here to make the process easier. Each plan varies, so contact your provider or our office to confirm your coverage.
➡️ View Accepted Insurance Plans
If we are not in-network, you may still qualify for partial reimbursement. We provide superbills—receipts you can send to your insurance company to request out-of-network benefits.
Learn more about Superbills
Paying privately is one of the most flexible therapy payment options. This route ensures full privacy, no diagnostic requirements, and no session limits. Contact us to learn about our current rates.
We accept Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)—a tax-free way to pay for qualified therapy services.
We offer sliding scale rates based on financial need. If you’re facing hardship, reach out to explore availability for reduced-cost sessions.
In some faith communities, such as The Church of Jesus Christ of Latter-day Saints, individuals may receive financial support from a bishop or clergy leader to help cover therapy costs. At Willow Therapy Utah, we are honored to work with clients and their faith leaders in a way that supports healing and confidentiality.
Answer: Yes, we accept several major insurance plans. Coverage depends on your specific plan and benefits. We recommend contacting your insurance provider directly or reaching out to our office for help verifying your coverage.
Answer: If we are out-of-network with your insurance, you may still be eligible for reimbursement. We can provide you with a superbill, which is a detailed receipt you can submit to your insurance for partial reimbursement.
Answer: Yes! You can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for therapy services. These accounts allow you to use pre-tax dollars for qualified medical expenses, including therapy.
We welcome private pay clients. Paying out-of-pocket gives you full privacy and flexibility, and allows you to work with your therapist without insurance restrictions. Contact us to learn more about our current rates.
Yes, we offer a sliding scale for clients facing financial hardship. These spots are limited and based on income. Please contact us to see if you qualify and to check current availability.
Answer: In some cases, yes. If you need a more flexible payment arrangement, reach out to us. We’ll work with you to find a solution that supports your access to care.
Answer: Not always. Some insurance plans only cover certain types of therapy or specific diagnoses. Services like couples therapy, life coaching, or faith-based counseling may not be reimbursed. We’ll help you understand what your plan covers and offer affordable alternatives if needed.
Answer: Often, yes. Most insurance companies and HSA/FSA plans require a diagnosis of a mental health condition for reimbursement. Your therapist can provide this if it aligns with your clinical needs. If you prefer to avoid diagnostic labels, private pay may be the best option.
If your claim is denied, we’ll work with you to understand the reason and explore your options. You can still continue therapy through self-pay or payment plans, and we can provide documentation to help you appeal the denial if you choose.
Victims of Crime: Get Therapy Covered Through Utah’s Compensation Program, Learn more about Victims of Crime
Have questions about payment, insurance, or your specific situation? We’re here to help guide you through your options and make therapy work for you.
