RATES AND INSURANCE Life Cycles Counseling is credentialed with the following insurance companies: Aetna Blue Cross Blue Shield Cigna First Health United Healthcare Humana Various EAP Private pay rate (without insurance) for Marcel Gamboa is $165 for a 55-60 minute session. Private pay rate for LPC Associate is $95.Cash, Zelle and major credit cards are accepted We do not accept Medicaid or Medicare at this time.