Does any therapist in Colorado take insurance?!

Why many private practice therapists don’t take insurance — And why Dynamic Counseling in Colorado Springs chose a different path.

Therapy should not be a luxury. It should not be limited to people with disposable income or those who can afford to pay out of pocket. It is an essential part of healthcare and an investment in your wellbeing, your relationships, and your life.

Yet across the country, many therapists do not take insurance. Clients are often surprised by this and are left wondering why mental health care feels so hard to access. The truth is that the insurance system creates real barriers for providers, and many opt out simply to survive professionally.

At Dynamic Counseling Colorado Springs, we believe in something different.

We believe therapy should be for everyone, not just for the upper class.

So we’ve chosen a model that opens doors rather than closes them.

Let’s talk about why many therapists do not take insurance, and then share what we do — and why.

Why So Many Therapists Opt Out of Insurance

1. Low Reimbursement Rates

Insurance companies often reimburse therapists at rates that do not match the cost of providing high-quality care. Therapists may need to double their caseload just to stay afloat financially. For many, that means burnout and less availability for clients, so they choose to leave insurance networks altogether.

2. High Administrative Burden

Billing, denied claims, appeals, prior authorizations, time on the phone, and ongoing administrative oversight create a tremendous workload. Many therapists spend hours each week fighting with insurance instead of supporting clients. For solo practitioners, this burden is unsustainable.

3. Restrictions on Care

Insurance can dictate:

• Number of sessions covered

• Types of therapy allowed

• Requirements for formal diagnoses

• Treatment plans and documentation

This limits a therapist’s ability to tailor treatment to the client’s real needs.

4. Impact on Privacy

To bill insurance, therapists must submit diagnoses and sometimes clinical notes. Not everyone wants a mental health diagnosis on their permanent insurance record. This can affect future coverage, employment screenings, or personal privacy.

5. Therapist Wellbeing

When reimbursement is low and admin work is high, therapists face chronic stress and burnout. Some choose not to take insurance simply to preserve their ability to provide ethical, attuned, high-quality care.

Our Commitment: Therapy for All, Not Just the Privileged

At Dynamic Counseling Colorado Springs, we believe mental health care should be available to the entire community — not just those who can afford private pay.

We believe:

• Quality therapy should be accessible

• Finances should not be a barrier to healing

• Insurance should be a doorway, not a wall

• Clients deserve choice, dignity, and support

For that reason, we have intentionally decided to accept a wide range of insurance plans. We wanted to create a practice where families, individuals, students, service members, and everyday community members could receive excellent care without financial overwhelm.

Insurance Plans We Accept

Dynamic Counseling Colorado Springs currently accepts:

• Anthem

• Aetna

• Blue Cross Blue Shield

• Cigna

• Kaiser – Carelon

• Colorado Medicaid

• Meritain

• Oxford

• Oscar Health

• United Healthcare

• Select Health – Colorado

• Anthem Blue Cross and Blue Shield Colorado

If your plan isn’t listed, we also offer SuperBills, which allow you to seek reimbursement from your insurance provider if you have out-of-network benefits.

We are always working to expand accessibility and maintain updated information at:

www.dynamiccoloradosprings.com

Why This Matters for Our Community

Accepting insurance is more than a business decision for us. It is an ethical and community-centered commitment.

Therapy Becomes More Accessible

More people can receive care. More families can prioritize mental health. More individuals can begin healing without fearing the financial impact.

Care Stays Personalized

Even though we accept insurance, we do not let insurance dictate your treatment. You are not a number or a diagnosis. You are a whole person with a story that deserves to be honored.

Mental Health Care Becomes Inclusive

Everyone — not just people with financial flexibility — can begin therapy and stay in therapy long enough to see real change.

You Deserve Support

If you have been putting off therapy because of cost, or because you assumed private practices do not take insurance, we want you to know that Dynamic Counseling Colorado Springs is different.

We built this practice with the belief that healing is for everyone.

Your story is welcome here.

Your emotions are welcome here.

Your healing matters.

If you are looking for a therapist near you who takes insurance but doesn’t sacrifice on quality of care and quality of location comfort, or simply want to verify whether your insurance is covered, reach out today.

We would be honored to walk with you.