Rates & Payment

Yes! But the amount you get back depends on your insurance plan. Many insurance plans have out-of-network benefits for mental health coverage. By uploading a receipt we provide you with, called a superbill, you can send it to your insurance company for reimbursement. In some cases clients receive up to 50% of the cost back. It is up to you to learn about what your plan offers.

There are! Insurance companies require your private mental health information, like a diagnosis, in order to cover your mental health services and have the right to audit your records. Using insurance means that your diagnosis becomes part of your permanent mental health record and that insurance may choose not to cover or to limit services. Not using insurance means that decisions about your mental health care remain between you and your counselor. 

Just because you have insurance, doesn’t mean it will lower the cost. If your plan has a high deductible you are responsible for paying out-of-pocket for services anyway. In some cases, you may not even reach it until close to the end of the year.

To find out about your benefits, contact your employer or call the number on the back of your insurance card. Some employers offer health savings accounts (HSA), which you may be able to use toward mental health services.

When calling your insurance company, make sure to have your card on hand so you can give them your policy number. Ask questions like:

• What are my out-of-network benefits for psychotherapy? Are these services subject to a deductible?

• What is my deductible for out-of-network providers?

• Once I meet my deductible, how much of the service fee does insurance cover?

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 www.cms.gov/nosurprises or call 800-985-3059.