Medicaid, Insurance, and Payment Plan Options

We want to help you find the ideal fit regarding your finances, as well as clinical fit. So, we provide various payment plan options geared toward convenience and flexibility. We have you covered whether you’d like to use insurance or pay out-of-pocket for our counseling services.

Affordable and Flexible Payment Options

Pillars offers a robust network of providers that can support a variety of clinical and financial situations. We have found that clarity and transparency in costs is a critical component to effective mental health counseling and making therapy convenient and manageable is our goal.

We know that by providing access to your account online and providing an upfront cost estimate, we allow our clients the ability to better anticipate the costs associated with treatment and have a plan to best meet your mental health and financial needs.

Clients often get medical care without clear expectations of how much their treatment will cost.  Pillars tries to break that mold and help clients have a clear expectation of costs. While each insurance, deductible, co-pay, out of pocket max, (confused yet? we address this later) are different, we understand this is an important part of your decision making and work hard to help provide you with appropriate expectations and provide you with the flexibility to help ensure you get the care you need!

Mental Health Insurance Coverage

Pillars designed our approach with the goal of working with insurance providers to ensure your services are covered by your insurance provider when desired. By verifying your insurance benefits, at your request, and providing you with insight into an estimated cost of your treatment, we are able to help you find your ideal treatment plan to meet your mental health and financial needs.

We will do our best to verify your insurance.  However, there are times that it is not available.  Ultimately insurance is the patient’s responsibility.  We ask that you be familiar with your benefits.  To find out your benefits call the customer service number on the back of your insurance card.

We accept all forms of Indiana Medicaid (Caresource, Anthem HIP, MHS, MDWise) and most private insurers including Aetna, Ambetter, Anthem BCBS, Cigna, and United Healthcare/Optum.

Payment made simple

How does Pillars work to make therapy affordable and transparent?

We provide an online billing system that stays up to date with your changing account status and convenient to meet your needs:

Easy Payment Portal Access

Login to our easy-to-use client portal to update your client details, insurance information, view invoices, statements and make payments.

View payments paid by your insurance provider (once processed).

Recieve easy 1-time link payments after your claim has been processed by your insurance provider.

Make payments online using your credit or debit card/ HSA/FSA.


We have many different payment methods.

Payments can be processed through insurance or made out of pocket.
We will bill your insurance for you.

*Insurance does not guarantee payment.  See Insurance Insight for more information.

Make easy payments through our client portal or mail us a check to our main office: 521 E. 86th Ave. Ste. H Merrillville, IN 46410

Paperless Billing

We send statements and invoices through our client portal.  Paper bills are available upon request.

Payment Plans

We work with you and your budget so you can still get the help you need (require/deserve).

Billing Support

We have staff here to help answer your questions during our administrative business hours.

For billing questions, call: 219 323-3311 opt. 2

Insurance Insights

Medical and mental health insurance can have different coverage.  If you have medical insurance, sometimes you will not have coverage for mental health. There are also times your medical coverage is through one insurance company and your mental health coverage is through another.  Please look into your insurance coverage as this will ultimately be the patient’s responsibility.


Deductibles are the amount of money you pay for mental health and/or medical services before your insurance coverage starts to pay for some of mental health and/or medical bills.

As an example

If your insurance plan has a $100 deductible and you receive a $150 mental health and/or medical bill, you will first pay $100 before your insurance company starts to help to pay the rest.


Copays are the amount of money you must pay for mental health and/or medical services before your insurance company will help cover the rest.

As an example

If you have an insurance plan that states mental health and/or medical visit requires a $25 copay, you will pay $25 before your insurance pays the remaining cost.

Coinsurance and an out-of-pocket maximum

Coinsurance is the percentage of the mental health and/or medical bill you must pay for a given service covered by your insurance company.

Out-of-pocket maximums are the total cost you can pay for mental health and/or medical services after you have paid your deductible.

An example

If you have a $500 deductible, 20% coinsurance, and a $1,000 out-of-pocket maximum. If you receive a $600 medical bill after you’ve already paid your deductible, your 20% coinsurance would require you to pay $120 because you have not yet met your $1,000 out-of-pocket maximum.  Once you have paid $1,000 out-of-pocket your insurance will cover 100% of the cost.