Insurance & Out Of Network Benefits

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To better understand your specific coverage and benefits, we recommend contacting your insurance provider directly. Here are some helpful questions to ask when speaking with them:

• Does my plan include out-of-network benefits for mental health services?
• How many therapy sessions are covered per year?
• What is the process for submitting superbills for reimbursement?
• How much will I be reimbursed for an initial intake session and for ongoing individual therapy?
• Does my plan cover telehealth or virtual therapy sessions?

Once you've confirmed that your insurance plan includes out-of-network benefits, please let us know if you plan to use them. We’ll make sure you're set up to receive a monthly superbill through your secure client portal. A superbill is a detailed receipt that you can submit to your insurance provider to request reimbursement.

Please note that insurance companies typically only reimburse for services they deem medically necessary. This means coverage usually requires a formal mental health diagnosis. If a diagnosis is needed for your treatment, we can schedule a diagnostic assessment. 

However, we are ethically and legally unable to provide a diagnosis solely for the purpose of insurance reimbursement if you do not meet the clinical criteria.

As part of the No Surprises Act (Section 2799B-6 of the Public Health Service Act), healthcare providers and facilities are required to inform individuals—who are uninsured, not using insurance, or not seeking reimbursement through a health plan—of their right to request a Good Faith Estimate. This estimate outlines anticipated costs for medical services and must be provided both verbally and in writing when services are scheduled or upon request.

If you are not insured or choose not to use your insurance for care, you’re entitled to receive a written Good Faith Estimate that details the expected cost of non-emergency services. This includes fees for medical services, procedures, prescriptions, equipment, tests, and any related charges.

Your provider must supply this estimate at least one business day before your scheduled service. You can also request a Good Faith Estimate from any provider before making an appointment.

If the final bill is $400 or more above the estimate, you have the right to dispute the charges.

Be sure to keep a copy or photo of your Good Faith Estimate for your records. 

For more details about your rights under this law, visit www.cms.gov/nosurprises.