Investment & Insurance

Yes. Illuminate Wellness Maui is in-network with a variety of health insurance carriers and many of our providers can bill insurance directly on your behalf. Please note that because paneling varies by provider, some of our clinicians are in-network, while others operate as private-pay or out-of-network clinicians.

If you do not see your specific plan listed or wish to work with a specific therapist, our team can help you explore the best path forward.

Specialized modalities such as Ketamine-Assisted Psychotherapy (KAP), Psychedelic Somatic Interactional Psychotherapy (PSIP), and multi-hour intensives are generally not covered by in-network insurance. Ask our intake team about private-pay rates and superbills.

Learn about therapy intensives on Maui

We are proudly in-network with a variety of major health insurance carriers in Hawaiʻi. Because provider paneling varies, we recommend verifying your benefits before your first session. 

Alohacare
Blue Cross/Blue Shield
HMAA
HMSA (PPO, HMO, Akamai Advantage)
HMSA Quest
Kaiser Permanente (by referral only, openings only in the DBT Group)
ʻOhana / Wellcare
UHA

If your preferred clinician operates as a private-pay or out-of-network provider, you will pay for your sessions upfront. We can then provide you with a monthly statement called a Superbill. You can submit this document directly to your insurance provider to seek out-of-network reimbursement, depending on your plan's specific behavioral health benefits. We strongly recommend verifying your out-of-network benefits with your carrier before starting treatment if you plan to seek reimbursement.

We invite all clients to check directly with their insurance provider to understand their exact coverage and benefits before starting services. When you call the member services number on the back of your card, we suggest asking:

• “Do I have a deductible for outpatient mental health visits, and have I met it?”

• “What is my co-pay or co-insurance responsibility per session?”

• “Does my plan cover out-of-network behavioral health services, and do I have an out-of-network deductible to meet first?”

• “If I submit a monthly Superbill for out-of-network therapy, what percentage of the allowed amount will my plan reimburse me?"

• "Is there a maximum allowable amount or session limit for out-of-network outpatient therapy?"

Our intake team is always happy to help clarify what questions to ask or what information to provide.

Session rates range from $50 to $300 per 50 minute session, depending on the provider and service.

If you are interested in crafting an intensive treatment plan, please reach out to our intake team for an estimate of the rates for advanced modalities like Ketamine-Assisted Psychotherapy (KAP) or multi-hour healing containers.

We are deeply committed to ensuring our inclusive, trauma-informed care remains accessible for our community. We offer limited sliding-scale structures based on financial need. Please connect directly with our intake coordinator to discuss current availability and eligibility.

While we proudly accept a variety of insurance plans, many clients choose our private-pay or out-of-network options because it offers significantly more clinical autonomy and long-term record privacy.

Choosing private-pay means:

• Protection of Your Permanent Medical Record: When using insurance, your clinical diagnosis and treatment plans must be submitted to the insurance company to prove "medical necessity," meaning your private records are subject to insurance audits and corporate oversight. Private-pay keeps your records strictly confidential within our practice.

• Zero Session Limits or Restraints: You and your clinician completely control your care framework, allowing you to determine the frequency, pacing, and total length of your healing plan without an insurance adjuster cutting your sessions short.

• Access to Specialized Modalities: Advanced, multi-hour trauma treatments, such as extended EMDR processing, Ketamine-Assisted Psychotherapy (KAP), or deep somatic intensives are frequently restricted or denied by standard insurance models but are fully accessible through private-pay structures.

Generally, yes. For the majority of our clients, secure telehealth sessions are covered by local insurance plans at the exact same rate as an in-office appointment. However, because structural rules vary, we always encourage you to confirm with your specific carrier that online video or phone sessions are fully active on your behavioral health plan.

We are here to help you every step of the way. Please don't hesitate to reach out to us for more assistance.