Insurance & Coverage

Let’s make sense of your benefits — together.


At Wildflowers Within Counseling & Wellness, we believe that understanding your insurance shouldn’t feel complicated or overwhelming. Our goal is to make the process transparent and supportive — so you can focus on your healing, not the paperwork.


Using your insurance for therapy can help make care more affordable, and we’re here to guide you through the process every step of the way.


Accepted Insurance Plans

We are currently in-network with the following insurance providers through Headway, a trusted third-party platform that securely manages billing and claims for many therapists nationwide:

  • Horizon Blue Cross Blue Shield of New Jersey (Starting in November)
  • Aetna
  • Cigna (Evernorth)
  • Optum / UnitedHealthcare


Headway allows you to use your insurance benefits easily and securely while ensuring your claims are processed quickly and accurately.


Once Wildflowers Within Counseling & Wellness is fully credentialed as an independent provider with these networks, billing will transition seamlessly in-house. You will not need to take any additional steps — your coverage will remain the same.


What It Means to Use Headway

When you schedule a session using insurance, you’ll receive a secure link from Headway to set up your account, verify your benefits, and add your payment method for copays or coinsurance.
Headway will:

  • Confirm your eligibility and coverage in real time
  • Submit claims directly to your insurance provider
  • Automatically collect any copay, coinsurance, or deductible amounts


Think of Headway as our behind-the-scenes billing partner, you’ll still meet with your therapist through Wildflowers Within, but they handle the insurance side for us.


What to Know When Using Insurance

A few important notes about insurance coverage for therapy:

  • Insurance requires a mental health diagnosis for reimbursement.
  • Some insurance plans may request access to treatment notes during audits.
  • Copays, coinsurance, and deductibles vary by plan.
  • If your deductible has not been met, you may be responsible for the full contracted rate until it is.


Transparency is empowerment — knowing your benefits helps you make confident, informed choices about your care.


Out-of-Network & Superbills

If your plan is not accepted through Headway or Wildflowers Within, you may still be eligible for out-of-network reimbursement.
We can provide a superbill, which is a detailed statement you submit directly to your insurance for potential partial reimbursement.


Many clients are surprised by how much their plan will reimburse when they ask  — it’s always worth checking.


Questions About Coverage?

We know insurance can feel confusing, and we’re happy to help you navigate it.
If you’d like assistance checking your benefits feel free to email us at info@wildflowerswithincounseling.com