Insurance and Fees for Therapy
We offer both insurance-based therapy and private-pay consultation through two branches of practice. Here's how to understand the difference—and find the right path for your needs.
Two Ways to Work Together
We operate under two professional entities:
Adaptive Therapeutic Solutions (ATS) – Insurance-based psychotherapy for clients located in Montana and Colorado.
The Anxiety Break – Private-pay coaching and consultation services for individuals, families, and professionals across the U.S.
Adaptive Therapeutic Solutions
Model
Insurance-based psychotherapy
Best for…
Ongoing therapy clients meeting medical necessity.
What’s Offered
ERP, ACT, I-CBT, DBT, trauma-informed care, diagnosis, and treatment.
Documentation
Full clinical documentation and diagnosis
Where I Can Serve You
Montana and Colorado (licensed therapy only).
The Anxiety Break
Model
Coaching & Consultation
Best for…
Coaching for individuals/families using ERP/ACT principles (non-diagnostic)
What’s Offered
ERP- and ACT-informed strategies, DBT-based tools, SPACE and Family Well-Being parent coaching frameworks, exposure support, values-based work, professional consultation
Documentation
No diagnosis or treatment plan
Where I Can Serve You
All 50 states (non-clinical services)
Not sure which path fits? Email us and we’ll help you figure out the best fit—no pressure.
Fees
Psychotherapy (ATS)
53-minute therapy session: $225
Insurance accepted (BCBS, Allegiance/Cigna, Aetna, Mountain Health Co-op, Pacific Source, First Choice Health)
Private pay also available
Private Pay Accessibility Option
If you prefer not to use insurance (for privacy, flexibility, or others reasons), we offer a private-pay accessibility option. We can discuss a sustainable rate based on your financial circumstances. No insurance or superbill will be provided for the sessions.
Coaching & Consultation (The Anxiety Break)
50-minute session: $225
No insurance or documentation
May include individual coaching, parent consultation, or clinical/professional consultation
Services can include individual coaching, family consultation, or skills-based guidance using ERP, ACT, DBT, SPACE, and Family Well-Being principles.
Contracts available for some family or consultation services
Note: Some clients may be working under pre-existing coaching contracts. Future contracts are offered on a limited basis and designed for targeted family support, structure, and clarity—not ongoing therapy.
Text for more information
Court-Ordered Evaluations & Legal Services
These services are billed independently of therapy or coaching and follow a separate fee structure:
Psychosexual Evaluation (Court-Ordered): $2500 flat fee
Expert Witness Testimony: Fee negotiated based on scope, jurisdiction, and time commitment
Fact Witness Testimony: $1000 per half-day in court, plus preparation time and mileage
Please email us to request a proposal or legal services agreement. Michelle Puerner provides all Court-Ordered or Legal Services and will speak to you about the cost of services.
Contracted Providers
Adaptive Therapeutic Solutions (ATS) contracts with independently licensed clinicians who accept insurance for therapy services. These providers manage their own practices and may offer private-pay sessions at rates different from mine. ATS handles insurance billing only on their behalf.
If you’re looking for a lower-cost therapy option, you may reach out to them directly:
Michelle Nigh, PCLC
Nourishing Light Solutions, PLLC
📞 (406) 631-8787
📧 MichelleNigh@NourishingLightSolutions.com
If you have questions about fees or insurance coverage, email us here. We’re happy to help you find a path that aligns with your clinical needs and financial situation. You may schedule an appointment with Michelle Nigh through The Anxiety Break.
Good Faith Estimate
Under the No Surprises Act, all clients not using insurance have the right to receive a Good Faith Estimate (GFE) that outlines the expected cost of services.
You have the right to receive a GFE in writing at least 1 business day before your first session, or upon request at any point in your care. This estimate will include the total anticipated costs of services over a defined period, based on your current goals and service plan.
If you receive a bill that is at least $400 more than your GFE, you can dispute the charges.
For more information about your rights under the No Surprises Act, visit: www.cms.gov/nosurprise
Ethical Statement
We maintain full alignment with licensing laws and scope-of-practice regulations across all states. The distinction between therapy and coaching is clearly maintained to ensure transparency, ethics, and client safety.