Billing, Insurance, & Payment Options

Accepted Insurance Plans

We are currently in-network with the following insurance and EAP providers:

• Aetna

• Anthem

• Blue Cross Blue Shield

• Cigna

• Florida Blue

• UnitedHealthcare

• Optum / UMR

• Oscar Health Plan

• Kaiser Permanente

• TriWest

• Tricare East

• Tricare West

• Medicare (Colorado & Texas only)

• Medicaid (Colorado only)

• Veterans Administration (VA) - Community Care Provider Region 4 (Texas, Colorado) and Region 3 (Florida)

• Beacon Health

• All One Health EAP

• ESI Employee Assistance

• Cofinity

• Winter Park Ski Resort

 

Don’t see your insurance listed?
Contact our office at 970-363-4031 or email matthew@challenger-point.com — we may still be able to work with your plan or provide documentation for reimbursement.

We bill through TherapyNotes and ClaimMD clearinghouse for secure, HIPAA-compliant claims submission. Insurance does not apply to Climb Coaching or media-based services.

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Private Pay & Clinical Rates

We keep it simple. If you're not using insurance, or you’re working with us through a department partnership, here are our standard rates:

Service Rates:

• Clinical Intake (60 min) $160 (insurance) / $175 (private)

• Individual Therapy (60 min)$175

• Climb Coaching Session (50 min)$125

• Disability / Documentation Support (as add-on)$75

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📝 ESA and PSD letters are not sold separately—they are addressed as part of your clinical care if medically appropriate during assessment or treatment planning.

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Direct-to-Practice Billing Discount

For departments or individuals not using insurance, our direct-to-practice rate is typically $100/hour, which significantly reduces costs and allows for flexible services not limited by insurance constraints.

This option is ideal for:

Agencies contracting care for their team

Veterans or first responders preferring privacy

Individuals with high deductibles or out-of-network plans

We’ll help you determine if and when health insurance can be billed to offset this cost.

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Virtual Appointments Only

All sessions are currently telehealth only.
We offer care via:

Secure video

Phone

HIPAA-compliant messaging (when clinically appropriate)

Flexible options make it easier for traveling professionals, shift workers, and rural clients to access care.

 

Payment Methods

We accept:

Credit & debit cards 

Health Savings Account / Flex Spending Account cards

Zelle or ACH transfers (case-by-case)

Payment is due at the time of service unless otherwise arranged.

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Cancellations & No-Show Policy

We require 24 hours' notice to cancel or reschedule appointments you personally booked.

Late cancellation or no-show fee: $40

We typically waive this the first time for emergencies.

After two or more missed appointments, your provider may pause or end care to protect access for others.

 

Superbills & Documentation

We provide:

Superbills for out-of-network reimbursement

Documentation for ESA/PSD (when clinically appropriate)

FMLA or disability paperwork (for employers, schools, legal use)

Let us know what you need—we’ll support you ethically and responsibly.

 

Partnerships with Departments, Agencies & Municipalities

Skip the traditional EAP. Build something better.

Challenger Point Practice offers contracted partnerships with departments seeking a more direct, responsive, and confidential mental health solution for their teams.

Through these partnerships:

We offer flat-rate or hourly agreements based on your budget

Services are confidential; clients use a unique ID (no names shared with the department)

We provide anonymized utilization summaries and a year-end effectiveness report

Integration with peer support teams and clinical supervision is available

Includes access to a 40-hour Peer Support Training compliant with IAFF/IACP standards

 

This model is proven effective in POST-funded programs throughout Colorado and can be tailored to your region, department size, or specialty unit.

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📩 To contract directly or request a proposal, email:
matthew@challenger-point.com

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Still Have Questions?

Let’s walk through it together.
📞 Call or Text: 970-363-4031
📧 Email: matthew@challenger-point.com