Question 1

Do you accept insurance?

Accepted Answer

Most of our therapists work out-of-network, but that doesn't necessarily mean paying the full cost of therapy yourself! Many insurance plans offer out-of-network benefits that may reimburse you for a portion of your sessions. We can help you explore your coverage, estimate your costs, and navigate reimbursement.
For clients seeking an in-network option, our lower-cost Fellows Clinic also accepts Aetna.
Use our insurance checker above to see what your benefits could cover.

Question 2

What are out-of-network benefits, and how do they work?

Accepted Answer

Out-of-network benefits allow you to see a therapist who doesn't directly participate with your insurance plan and potentially receive money back. You pay for your session upfront, and your insurance may reimburse a portion afterward.
How much you receive depends on your plan, deductible, and the amount your insurer recognizes for the session.

Question 3

Do you handle insurance claims for me?

Accepted Answer

Absolutely! We can take the paperwork off your plate. If you opt in, we'll submit your claims weekly through our electronic health record system for a $3.19 processing fee per claim.

Your insurance company processes the claim and, when approved, sends reimbursement directly to you, typically by check or direct deposit.

Question 4

How do I know what therapy will actually cost me?

Accepted Answer

Start with our insurance checker above for an estimate of your benefits and potential reimbursement.
For the most accurate information, confirm your out-of-network mental health coverage, remaining deductible, reimbursement percentage, and any visit limits with your insurer.

We're also happy to help you understand the results.

Question 5

What is an insurance deductible?

Accepted Answer

A deductible is the amount you pay toward covered healthcare expenses before your insurance begins sharing certain costs.
For example, if your out-of-network deductible is $1,000, you may need to meet that amount before receiving reimbursement. Only expenses your insurer recognizes as eligible count toward it, and some plans have different deductibles for in-network and out-of-network care.

Question 6

What is an "allowed amount," and why does it matter?

Accepted Answer

The allowed amount is the dollar figure your insurance company uses to calculate reimbursement. It may be lower than your therapist's actual fee.
For example, if your insurer allows $200 for a session and reimburses 70% after your deductible, you could receive $140 back, even if your therapist charges more.
Your insurer determines the final amount when processing your claim, so estimates aren't guarantees.

Question 7

Can I use my HSA or FSA to pay for therapy?

Accepted Answer

Yes! Therapy provided for medical care is generally an eligible expense for Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and certain Health Reimbursement Arrangements (HRA).
Using these funds can help you pay for eligible sessions with tax-advantaged money.

Check your plan's rules, and remember that expenses reimbursed by insurance cannot also be reimbursed tax-free through these accounts.

Question 8

What if I'm confused about my insurance benefits?

Accepted Answer

We're happy to help! Insurance can be confusing, and you don't have to figure it out alone.
Reach out to hello@beginboundless.com, and our team can help you understand your coverage, reimbursement estimates, and next steps. We'll guide you through securely sharing any insurance details needed for verification.

Fees & Insurance.

Using insurance?

Paying out of pocket?

Staff therapist fees & insurance status.

Psychotherapy fellows fees & insurance status.

Fees & Insurance FAQ