Insurance & Payment FAQ

Inspired Life Counseling is in‑network with Partnership HealthPlan of California and Anthem Blue Cross Medi‑Cal in the counties shown in the image here. Secure telehealth services allow eligible clients to access care even if they do not live near our Chico or Redding offices. 

The RemotEMDR platform enables us to deliver high-quality, HIPAA-compliant online EMDR to clients using their insurance benefits throughout California.
​Quick Answers to Common Insurance Questions
These are the questions we’re most often asked about insurance, coverage, and out-of-network therapy.
Do you take my insurance for therapy?
Yes. Inspired Life Counseling is in-network with select Medi-Cal managed care plans and TRICARE. We are out-of-network with most commercial insurance plans and offer courtesy billing to help clients use their out-of-network mental health benefits.
Can I use employer-sponsored insurance if my therapist is out of network?
Often, yes. Many employer-sponsored insurance plans include out-of-network mental health benefits. We verify your benefits, submit claims on your behalf, and help your payments count toward your deductible.
Is out-of-network therapy more expensive than in-network therapy?
Not always. For many clients—especially those with high-deductible plans—out-of-network therapy with courtesy billing can result in similar out-of-pocket costs while allowing more choice and continuity of care.
Insurance & Therapy FAQs
Do you take my insurance for therapy?
Can I use employer-sponsored insurance if my therapist is out of network?
Is out-of-network therapy more expensive than in-network therapy?
For Employer-Sponsored / High-Income PlansIf you have a high-deductible employer-sponsored plan, you may be paying out-of-pocket even with an in-network provider. Courtesy billing at Inspired Life Counseling allows you to:
  • Choose a therapist based on fit and expertise
  • Apply therapy costs toward your deductible
  • Maintain continuity of care without switching providers
This option is especially helpful for professionals, executives, and families seeking specialized or long-term therapy.
For Medi-Cal MembersInspired Life Counseling is in-network with select Medi-Cal managed care plans, including Partnership HealthPlan of California and Anthem Blue Cross Medi-Cal (by county). Telehealth services may be available based on enrollment and plan guidelines.
Question: My employer-sponsored insurance is really expensive each month. I would rather go to a therapist who's in-network, but I really like what you're offering at Inspired Life.  How can I use my insurance if you're out-of-network?
Yes — often, absolutely. Many of our clients successfully use their employer-sponsored insurance through our courtesy billing process, even though we are out-of-network with most commercial plans.

Here’s how it works:
Unlike many out-of-network providers who require you to pay upfront and submit your own superbill for reimbursement, we handle the insurance process for you.

Our team will:
  • Contact your insurance company directly
  • Verify your out-of-network mental health benefits
  • Confirm your deductible status and reimbursement rates
  • Calculate your estimated out-of-pocket cost before you start

You pay our session fee at the time of service. We then submit claims to your insurance company on your behalf, so your payments are applied toward meeting your deductible. Once your deductible is met, insurance often begins covering a significant portion of each session.

For many clients, this results in an average out-of-pocket cost of approximately $35–$60 per session, depending on the plan.

While we remain out-of-network, the experience often feels similar to using in-network benefits — without the limitations that can come with restricted provider networks.
​
Using employer-sponsored insurance is often much simpler than people expect, and we’re happy to help you explore whether this option makes sense for you.
Question: I have a Managed Medi-Cal insurance provider, do you take my insurance?
There are quite a lot of managed plans in California!  We are currently in-network with Partnership Health Plan of California and Anthem Blue Cross Medi-Cal.  These two insurance providers span most of our beautiful state! 

While we have physical offices in Redding and Chico, all of our therapists offer telehealth, and several are dedicated to providing online sessions exclusively.  Whether you're in the central valley or up on the mountains, if you have Partnership Health or Anthem Blue Cross Medi-Cal, we've got you covered.
Inspired Life Counseling is in-network with select Medi-Cal managed care plans and TRICARE West. We are out-of-network with most commercial insurance plans and offer courtesy billing when applicable. Coverage and reimbursement vary by plan.