--- title: "Insurance and Costs | Blue Sails Counseling and Consulting" description: "Insurance, sliding-scale, and self-pay options at Blue Sails in Bethesda and Lusby, MD. Call (410) 231-0488 to check your plan." language: "en-US" canonical_url: "https://bluesailscounseling.com/insurance-and-costs/" source_url: "https://bluesailscounseling.com/insurance-and-costs/" content_type: "text/markdown" --- [Home](https://bluesailscounseling.com/) / Insurance and costs Insurance and costs # Insurance and costs, explained up front. With or without insurance, quality mental health care should be affordable — without undue financial stress. We offer a range of payment options, including insurance coverage and sliding-scale fees for those who qualify. Our team explains your options before care begins. [Request an appointment](https://bluesailscounseling.com/client-intake/)[Call (410) 231-0488](tel:+14102310488) Ways to pay ## Payment options ### Insurance We accept insurance. Ask us to check your plan, provider participation, and your expected cost before you schedule. ### Sliding-scale fees Sliding-scale fees are available for those who qualify. Ask our intake team whether you may be eligible. ### Self-pay Prefer not to use insurance? Ask us about self-pay options and what to expect before your first visit. Coverage ## Insurance we work with Coverage varies by plan, service, and provider. Call us to confirm your benefits before your first appointment. ### Commercial plans - Aetna - Anthem - BlueCross BlueShield - Cigna - UnitedHealthcare ![Aetna](https://bluesailscounseling.com/wp-content/uploads/2024/01/insurance-logo-aetna.png)![Anthem](https://bluesailscounseling.com/wp-content/uploads/2024/01/insurance-logo-anthem.png)![BlueCross BlueShield](https://bluesailscounseling.com/wp-content/uploads/2024/01/insurance-logo-bcbs.png)![Cigna](https://bluesailscounseling.com/wp-content/uploads/2024/01/insurance-logo-cigna.png)![UnitedHealthcare](https://bluesailscounseling.com/wp-content/uploads/2024/01/insurance-logo-united.png) ### Autism services Our autism services accept Maryland Medicaid and TRICARE, helping eligible families access care. Ask us about any authorization requirements. [About autism services →](https://bluesailscounseling.com/autism-services/) Don’t see your plan? Call us anyway — we’ll help you understand your options. Process ## How we check your costs 01 ### Request an appointment Share your contact details, the kind of care you’re looking for, and your insurance information. 02 ### We review your options Our intake team reviews service availability, insurance or payment options, and provider fit with you. 03 ### Start with clarity You’ll know your provider, location or telehealth, and expected costs before care begins. Services ## Explore our services ### Therapy Individual, couples, family, and group therapy — what to bring, meeting online, and getting started. [Learn more →](https://bluesailscounseling.com/therapy/) ### Psychiatry & medication management Evaluations, medication questions, and what to expect at a first visit. [Learn more →](https://bluesailscounseling.com/psychiatry-and-medication-management/) ### Autism services Diagnosis, ABA, and what families should have ready — including insurance questions. [Learn more →](https://bluesailscounseling.com/autism-services/) Common questions ## Cost questions How do you make therapy affordable and what about insurance coverage? We strive to make therapy accessible and affordable. Our pricing is transparent, and we offer a range of payment options, including insurance coverage and sliding-scale fees for those who qualify. Our team is here to help you navigate payment and insurance options, so you can access the care you need without undue financial stress. What should I have ready when I call? Have your insurance card or plan details, the kind of care you’re looking for, and your preferred office (Bethesda or Lusby) or telehealth. Does coverage differ between services? Yes. Coverage can vary by plan, service, and provider. Ask our team to review your insurance and explain costs before you begin. Is telehealth covered? Telehealth is available across Maryland. Ask us to confirm how your plan covers telehealth visits. ## Questions? Reach either office ### Blue Sails Bethesda 10411 Motor City Drive, Suite 615 Bethesda, MD 20817 [Office details →](https://bluesailscounseling.com/locations/bethesda/) ### Blue Sails Lusby 225 Town Square Drive, Suite 3 Lusby, MD 20657 [Office details →](https://bluesailscounseling.com/locations/lusby/) ### Telehealth Telehealth is available across Maryland. [Call (410) 231-0488](tel:+14102310488) ## Ready to check your coverage? Request an appointment and our intake team will follow up about availability, insurance, and next steps. [Request an appointment](https://bluesailscounseling.com/client-intake/)[Call (410) 231-0488](tel:+14102310488) If you are in immediate danger, call 911. For crisis support, call or text 988.