Rates
$200 per 50-minute therapy session with Dr. Aegerter
- The first therapy appointment is $250
$100 per 50-minute therapy session with doctoral-level trainees
- The first therapy appointment with trainees is $125
$300 per hour for psychological assessment services (full rates for assessment will depend on the specific question you would like answered)
The self-pay rate for assessments is based on a tiered system:
- ADHD evaluations (without looking into Autism): $2,400
- Autism evaluations (includes looking at ADHD or other related concerns): $3,600
- Learning disability testing add on: $1,200
- Additional hours of testing needed at any tier charged at $300 an hour
- The first psychological assessment appointment is $250
Insurance
Dr. Aegerter is In-Network with Kaiser and Medicaid. Doctoral-level trainees can accept Kaiser and Medicaid.
ACTivation Psychology is Out of Network with all other major insurance companies but can provide you with a Superbill to submit to your insurance and request Out of Network Benefits. We cannot guarantee that your insurance will provide any reimbursement for services.
Payment
ACTivation Psychology accepts all major credit cards as forms of payment. Your credit card information will be stored on a secure platform and charged automatically after appointments.
Cancellation Policy
If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you may be charged for the full rate of the session.
Using Your Out-of-Network Insurance Benefits
We are in network with Kaiser and Medicaid. We are out-of-network (OON) with all other insurance companies. That means we do not bill or talk with other insurance companies directly. However, many clients use their OON benefits to get reimbursed for their session costs. We do not complete OON reimbursement submissions on your behalf but are happy to provide the necessary materials for you.
Verify your OON Benefits with your insurance company
Call and ask the following questions:
- Do I have out-of-network behavioral health benefits?
- What is my deductible, and what amount have I already met?
- What percentage of the session fee will you reimburse?
- Is there a limit on the number of sessions covered?
- How do I submit a superbill for reimbursement?
What you will need:
- Your superbill from us (sent via Simple Practice monthly)
- Your insurance company’s claim form (find this on their website or member portal)
- Your insurance card
Step-by-Step
- Find your insurance company’s out-of-network claim form. This is usually on their website or in your member portal. If you cannot locate it, call the number on your card for help.
- Fill out your personal info, policy number, and group number (this information can be found on your insurance card).
- Enter the service details from your superbill: date of service, CPT code, diagnosis code, and amount paid.
- Attach the superbill to your completed form.
- Submit via your insurance company’s preferred method (online portal, email, fax, or mail)
- Keep copies of everything and note the confirmation numbers.
What to Expect:
- Reimbursement typically takes 2-6 weeks
- You may receive an Explanation of Benefits (EOB) before the actual reimbursement payment arrives
- If your insurance company denies your claim:
- Call your insurance company to find out exactly why it was denied
- Check whether there was a simple error in the submission that can be corrected and resubmitted
- Ask about the formal appeals process – most companies have one
- Submit any additional documentation they request
Our Practice Information for Claim Forms:
Practice Name: ACTivation Psychology
Address: 2460 West 26th Ave., Suite 465-C, Denver CO 80211
Phone: (720) 893-1415
Provider specific NPI Numbers and Tax-ID are included on your superbills
Please Note:
As an out-of-network practice, we cannot communicate with your insurance company. All insurance verification, claims submission, and follow-up will be handled entirely by you as the client. We provide the documentation you need, but you are responsible for all insurance interactions.
Other Ways to Make Therapy More Affordable
- Use Your HSA or FSA:If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can use those funds to pay for sessions directly. Because contributions are pre-tax, you’re effectively saving 20–30% depending on your tax bracket. Most accounts come with a debit card you can use at the time of your appointment.
- Potential Tax Deduction: Therapy costs may qualify as a deductible medical expense if they exceed 7.5% of your adjusted gross income and you itemize deductions. Keep your receipts throughout the year and check with a tax professional to see if this applies to your situation.
- Be Strategic With Your Deductible: If you have out-of-network benefits, a little planning goes a long way:
- Schedule more sessions in a month once you’ve met your deductible
- Submit claims promptly so reimbursements don’t pile up
- Appeal denied claims – it’s often worth it
- Consider timing therapy around your deductible reset date
Your Rights and Protections Against Surprise Medical Bills
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a health care provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” means providers and facilities that have not signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.
You are protected from balance billing for emergency services
If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in network cost-sharing amount (such as copayments and coinsurance). You cannot be balance billed for these emergency services. This includes services you may get after you’re in stable condition unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.
Colorado state law protects you from surprise medical bills when you are enrolled in a fully-insured plan and receive covered emergency services, other than ambulance services, from an out-of-network provider in Colorado. When you receive services for emergency medical care, usually the most you can be billed for emergency services is your plan’s in-network cost-sharing amounts, which are copayments, deductibles, and/or coinsurance. You cannot be balanced-billed for any other amount. This includes both the emergency facility and any providers you may see for emergency care.
Certain services at an in-network hospital or ambulatory surgical center
When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.
If you get other services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.
You’re never required to give up your protections from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.
Under Colorado state law, a hospital, facility or health care provider must tell you if you are at an out-of-network location or at an in-network location that is using out-of-network providers. It must also tell you what types of services may be provided by any out-of-network provider.
You have the right to request that in-network providers perform all covered medical services. However, you may have to receive medical services from an out-of-network provider if an in-network provider is not available. If this happens, the most you can be billed for covered services is your in-network cost-sharing amount (copayments, deductibles, and/or coinsurance). These providers cannot balance bill you.
Under Colorado state law, you may be balance billed for emergency ambulance services that you receive if the ambulance service provider is a publicly funded fire agency; however, state law against balance billing does apply to private ambulance service companies that are not publicly funded fire agencies. Non-emergency ambulance services, such as ambulance transport between hospitals, are not subject to the state law against balance billing, so if you receive such services and they are not covered by your health plan, you may receive a balance bill.
When balance billing isn’t allowed, you also have the following protections:
- You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network).
- Your health plan will pay out-of-network providers and facilities directly.
Your health plan generally must:
- Cover emergency services without requiring you to get approval for services in advance (prior authorization).
- Cover emergency services by out-of-network providers.
- Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
- Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.
If you think you’ve been wrongly billed by a provider or facility, contact the federal government at: 1-800-985-3059 or the Colorado Department of Regulatory Agencies, Division of Insurance at https://doi.colorado.gov/for-consumers/file-a-complaint or call 1-800-930-3745.
Visit www.cms.gov/nosurprises/consumers for more information about your rights under federal law.
Visit https://doi.colorado.gov/insurance-products/health-insurance/health-insurance-initiatives/out-of-network-health-care for more information about your rights under Colorado state law.
Any Other Questions
Please contact me for any additional questions you may have. I look forward to hearing from you!