Our insurance lineup:

In-network vs Out-of-network:

We are in-network with most major insurance providers. In-network means that your provider has a contracted (discounted) rate with your health insurance company. The cost of mental health services can vary by company and plan type.

Many people think they need to see someone who is in-network with their insurance. This is not necessarily the case. Out-of-network simply means the therapist does not have a contract with your health insurance company. You can call your insurance’s customer service phone number on the back of your card to find out what your in- or out-of-network benefits are.

When calling your insurance company:

First, look on the back of your insurance card for the customer service phone number or behavioral health phone number. (You probably already know this, but it can be confusing!) When you call this number here are some great questions to ask:

1. Is [your provider’s name] in-network for me?

2. If they are out-of-network, what are my out-of-network benefits?

3. Can I get an authorization for [your provider’s name] to be in-network for me?

4. How much does an out-of-network session get reimbursed for?

5. How many sessions are covered in a year?

6. What is my deductible status?

7. Do I have separate deductibles for in-network services and out-of-network services?

8. Will I need to pay a copay for sessions with [your provider’s name]?

Deductibles, Out-of-Pocket Max, and Copays:

Your deductible is the amount you need to pay before insurance starts to help out. After your deductible is met, your services will either be covered partially or fully. Each plan is different, so make sure to check what yours is. Some plans have high deductibles, but you will only pay the contracted rate.

Your out-of-pocket max is an amount set by your insurance company that you have to reach before they cover services at 100%.

Some plans will also require a copay or coinsurance amount for services. A copay is a fixed amount you pay for a covered health service, while coinsurance is a percentage of the contracted rate. If you have a copay you will pay that amount each session on the day of service. Coinsurance and deductible amounts are due once the claim is approved (often 2-4 weeks after the date of service).

Getting reimbursed for out-of-network services:

If we are out-of-network with your insurance company, we will ask that you pay for sessions up front. We will provide you with a paid invoice (“superbill”) for you to submit to your insurance for reimbursement. Your insurance will determine whether or not to approve the claim depending on your benefits, and how much you will be reimbursed. We recommend you check your insurance benefits prior to your first session.

EAP Appointments

Some workplaces offer their employees access to Employee Assistance programs (EAP). EAP appointments are typically paid in full by the EAP, which may be a different insurance than your regular health care benefits. EAP appointments often require approval from your Human Resources department and/or the insurance before your first appointment. Your HR will approve a limited number of sessions and provide you with an authorization code to give to your provider. EAP sessions are intended to help clients restore their work-life balance and restore work functionality. These sessions focus more on short-term coping skills and increasing motivation, so that employees can successfully return to work.

Paying your bill:

We accept checks, cash, debit, and credit cards, including HSA, FSA, and HRA. Our company policy requires that a debit or credit card be kept on file, which we can charge automatically.

I still have questions…

No worries! We’re here for you! Please talk with your provider either before starting (with a free consultation) or during your intake appointment about any insurance questions or concerns. We are happy to help you through it.