Frequently Asked Questions

What Would You Like To Know?

“Therapy is a form of treatment aimed at relieving emotional distress and mental health problems” – Psychology Today.

You could benefit from therapy if you are…
– Experiencing negative emotions 
– Having difficulty regulating emotions
– Struggling to build/maintain relationships
– Experiencing trauma/loss
– Having difficulty enjoying activities
– Wanting to improve yourself
– Using substances/destructive behaviors to cope
– And more…

Therapy is for everyone!

Your therapeutic relationship with your clinician is an important part of your healing journey. Consultations allow you to ask Karley questions, voice concerns, and learn more about her approach to therapy. Consultations help you determine if Karley is a good fit for you. If at any point you are not satisfied with your clinician, there are no consequences to terminating therapy.  

HBCS takes a wide range of clients. My services are not limited to those listed on the services pages.  

HBCS is proud to be an ally for minority and cultural groups. These groups include Black, Hispanic/Latino, LGBTQA+, undocumented, and more.

HBCS does not offer therapy for children, anyone under the age of 18 years old or couples/families. 

Karley Arguello is only licensed in Colorado. You must currently reside in Colorado to be a client.

Absolutely. Under the HIPAA (Health Insurance Portability and Accountability Act) and PHI (Protected Health Information) acts, your name, descriptive factors, and stories are confidential. There are a few exceptions to confidentiality as HBCS and Karley are mandated reporters. More information will be provided during your intake session.

“Telehealth is the distribution of health-related services and information via electronic information and telecommunication technologies. It allows long-distance patient and clinician contact, care, advice, reminders, education, intervention, monitoring, and remote admissions.”

HBCS offers Telehealth services by using a HIPAA (Health Insurance Portability and Accountability Act) compliant video conferencing system via our client portal and Google Meets. With just one click, you can join Karley for your therapy session within the comfort of your home via your mobile phones, tablet, and/or computer.

Yes. Karley is able to accept insurance via SonderMind and Headway.

Accepted Insurance:
Anthem Blue Cross Blue Shield
Kaiser (Coming Soon)
Lucent Health – Summit County Gov. Plan

Medicaid clients must use a medicaid provider, and cannot offer cash pay. Karley is NOT a medicaid provider. This is a state law and cannot be negotiated.

National Suicide Prevention Lifeline
National Suicide Prevention Lifeline
(Options for Deaf and Hard of Hearing)
Nacional de Prevención del Suicidio
National Suicide Prevention Lifeline Online Chat
Crisis Text Line
Text HOME to 741741
Childhelp National Child Abuse Hotline
National Domestic Violence Hotline
National Sexual Assault Hotline
Self-Harm Hotline
Substance Abuse Helpline
Veterans Crisis Line
The Trevor Project (LGBTQ+ Crisis Hotline)
The Trevor Project LGBTQ+ Online Chat

Additional resources (not monitored 24/7)

National Eating Disorders Association Helpline
Planned Parenthood Helpline
GLBT National Hotline
GLBT National Youth Talkline
Trans Lifeline

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost

Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

• You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

• Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit or call the Colorado Division of Insurance at 303-894-7490 or 1-800-930-3745.

Beginning January 1, 2020, Colorado state law protects you from “surprise billing,” also known as “balance billing.” These protections apply when:

  • You receive covered emergency services, other than ambulance services, from an out-of-network provider in Colorado, and/or
  • You unintentionally receive covered services from an out-of-network provider at an in-network facility in Colorado

What is surprise/balance billing, and when does it happen?
If you are seen by a health care provider or use services in a facility or agency that is not in your health insurance plan’s provider network, sometimes referred to as “out-of-network,” you may receive a bill for additional costs associated with that care. Out-of-network health care providers often bill you for the difference between what your insurer decides is the eligible charge and what the out-of-network provider bills as the total charge. This is called “surprise” or “balance” billing.

When you CANNOT be balance-billed:
Emergency Services
If you are receiving emergency services, the most you can be billed for is your plan’s in-network cost-sharing amounts, which are copayments, deductibles, and/or coinsurance. You cannot be balance-billed for any other amount. This includes both the emergency facility where you receive emergency services and any providers that see you for emergency care.

Nonemergency Services at an In-Network or Out-of-Network Health Care Provider
The health care provider must tell you if you are at an out-of-network location or at an in-network location that is using out-of-network providers. They must also tell you what types of services that you will be using may be provided by any out-of-network provider. You have the right to request that in-network providers perform all covered medical services. However, you may have to receive medical services from an out-of-network provider if an in-network provider is not available. In this case, the most you can be billed for covered services is your in-network cost-sharing amount, which are copayments, deductibles, and/or coinsurance. These providers cannot balance bill you for additional costs.

Additional Protections

  • Your insurer will pay out-of-network providers and facilities directly.
  • Your insurer must count any amount you pay for emergency services or certain out-of-network services (described above) toward your in network deductible and out-of-pocket limit.
  • Your provider, facility, hospital, or agency must refund any amount you overpay within sixty days of being notified.
  • No one, including a provider, hospital, or insurer can ask you to limit or give up these rights.

If you receive services from an out-of-network provider or facility or agency, you may still be balance billed, or you may be responsible for the entire bill. If you intentionally receive nonemergency services from an out-of-network provider or facility, you may also be balance billed.

If you want to file a complaint against your health care provider, you can submit an online complaint by visiting this website:

If you think you have received a bill for amounts other than your copayments, deductible, and/or coinsurance, please contact the billing department, or the Colorado Division of Insurance at 303-894-7490 or 1-800-930-3745.

This law does NOT apply to ALL Colorado health plans. It only applies if you have a “CO-DOI” on your health insurance ID card.

Please contact your health insurance plan at the number on your health insurance ID card or the Colorado Division of Insurance with questions.

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