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We are a proud member of the Sacred Wandering Group

Insurance & Low Income

You shouldn’t have to choose between a meal and good mental health…

Have you been putting off seeing a counselor because you can’t afford your deductible or copays? Maybe it’s time to reconsider! We can help you find the resources you need so you can get the help you want!

Medicaid & Low Income

Low Income
If you make below the Federal poverty levels, you qualify for Wisconsin Medicaid.  To see if you are eligible, please visit:

Current poverty levels are determined in part by averaging poverty incomes through the U.S. Census Bureau.

No Insurance
Please do NOT let your lack of insurance stop you from receiving quality mental health care.  We have a program for people who cannot afford regular services.  Please let us know your situation so we can help you on your road to good mental health. If you do not qualify for BadgerCare (also called Forward Health, Medicaid, and Wisconsin Medicaid), please speak with your therapist about your circumstances.  We will work with you to arrange payments you can afford. If we can’t find a sponsor or other solutions, together we will figure something out so you can get the help you want! We are ethical with all arrangements!


Licensed Professional Counselors are not eligible to participate in Medicare at this time. 

Bipartisan legislation introduced in the House and Senate would improve access to mental health services and permit Licensed Professional Counselors (LPC’s) to be reimbursed by Medicare. In the Senate, the Mental Health Access Improvement Act of 2021, S. 828  was introduced by Senator John Barrasso (R-WY) and Debbie Stabenow (D-MI). In the House of Representatives, the Mental Health Access Improvement Act, H.R. 432 was introduced by Representative John Katko (R-NY) and Mike Thompson (D-CA).

With the passage of this legislation, Medicare beneficiaries nationwide will have access to much needed mental health treatment by licensed professional counselors.

Mental Health Access Improvement Act (S.828/H.R.432) One Pager

Medicare Reimbursement Handout with Coverage Map

Milliman Report on Cost Savings from Integrating Behavioral and Medical Healthcare


Our recent affiliation with Square Capital, LLC means that you are now able to use your FSA / HSA cards for all services at our counseling center.

Insurances We Take

At Sacred Wandering, we believe in clear and responsible communication about all financial matters as it pertains to your healthcare needs. We do our best to collaborate with you and your insurance company to help you efficiently manage your healthcare resources. We encourage you to clarify your insurance benefit information prior to beginning any treatment so that you understand what portion of services will be covered by insurance and what portion will be paid privately by you (deductible, copay, coinsurance, etc…).

Current federal law is written in such a way that Licensed Professional Counselors are not eligible to participate in Medicare at this time.  There is, however, legislation before congress, which includes the possibility of LPC’s being allowed to see Medicare patients. Please contact your representative to ask them to support the Mental Health Access Improvement Act (S.828/H.R.432) (see more at:

  • Aetna First Health Network – including Behavioral Health
  • American Behavioral
  • Anthem / Blue Cross + Blue Shield
  • Badgercare / Forward Health / Wisconsin Medicaid
  • Children’s Community Plan (Medicaid)
  • Common Ground Healthcare Cooperative
  • Evernorth Behavioral Health (Formerly Cigna)
  • Exceedent
  • First Health Network (Cofinity)
  • Humana
    • iCare recently merged with Humana
  • Managed Health Services (Cenpatico)
  • Molina
  • Optum – Including United Behavioral Health (Commercial and Medicaid)
    • United Healthcare (Commercial)
    • United Healthcare (Medicaid)
    • United Medical Resources (Commercial)
    • Medica Health Plan Solutions & Medica Ind & Fam Business
  • Together with CCHP
  • Trilogy / My Choice (As of October, 2021)
    • Family Care
    • SSI – Medicaid Only
    • Dual Advantage

Become a Partner

Counseling at Sacred Wandering discharges over $1,500.00 in counseling fees every month for clients who are unable to afford services and who do not have insurance.  This is done through the generous support of our mental health ministry and the Pastoral Center at Sacred Wandering.  We are committed to providing a healing environment for all people regardless of religious affiliation (or no affiliation). But we can’t do it without your help. Please consider joining our small list of mental health supporters.

Visit our donation page at:  In the comments section, please be sure to mention the “Counseling Ministry” to ensure your donation goes to the right department.

Thank you for helping our communities heal.


Kenneth J. Nelan, LPC is happy to submit your claims to insurance companies on your behalf.  Please be aware that clients are responsible for confirming their benefit coverage prior to first appointment.  You may have a co-payment or deductible, which is due at the time of service.

Anyone who uses insurance coverage for any psychotherapy service must be given a diagnosis, as insurance-covered treatment must be deemed “medically necessary.” If you are concerned about a diagnosis remaining on your permanent medical record, or prefer not to frame your concerns in a medical model, we offer the option of paying for services directly (Private Pay). We will discuss the benefits and drawbacks of each choice with you at your first visit.

We are out of network for and have not applied to all other insurance companies not listed above.  Our services are eligible for FSA and HSA reimbursement.  Call us if you are unsure about your insurance benefits; Kenn is more than willing to assist you.

All charges are ultimately the responsibility of the client regardless of insurance coverage.    As a service to our clients, we file claims with your insurance carrier on your behalf and accept their assigned benefits; however, if coverage is denied, the financial burden falls to the client.  We resubmit all denials and request explanation of benefits for all our clients.  However, full payment for deductibles and co-pays are due at the time of service. We accept cash, checks, and major credit cards.

If you cannot afford services, speak with us – we may be able to help!