Fees & Insurance.
Boundless is an out-of-network practice. That means you pay for your session up front, and if your plan offers out-of-network benefits, your insurer reimburses you for a portion. A few of our clinicians are also in-network with Aetna.
Use the verification tool below to see your coverage.
We file your claims for you. Once you're a client, we submit claims on your behalf — you just receive your reimbursement. No paperwork, no chasing your insurer.
Therapist fees & insurance status.
Insurance FAQ's
1. Do you accept insurance?
We're out-of-network, except Aetna — several clinicians are in-network with Aetna (noted on their profiles). With other plans, your out-of-network benefits usually reimburse part of each session. Check yours with the tool above.
2. What are out-of-network benefits?
You pay at the time of session, and your insurer reimburses you for a portion afterward. Most of our clients get back 30–90%, depending on their plan.
3. Do you handle the insurance paperwork?
We can. If you elect in, we submit your claims weekly through our EHR ($3.19 per claim), and your reimbursement comes straight to you either via check or direct deposit.
4. How do I find out what I'd actually pay?
Use the checker above for an estimate, then call your insurer to confirm. Ask: Do I have out-of-network outpatient mental health benefits? A deductible, and how much is left? What percentage is reimbursed? Any session limit or referral needed?
5. What is a deductible?
What you pay before reimbursement starts. With a $1,000 deductible, you'd pay toward sessions until it's met, then reimbursement kicks in. It's the biggest factor in your early cost — worth confirming up front. Some plans have no deductible; others are high-deductible.
6. What is an "allowed amount"?
It's the figure your insurer bases your reimbursement on — which may match your therapist's fee or be lower. Example: if your plan reimburses 70% and your allowed amount is $200, you'd get back 70% of $200. Insurers set this based on things like provider licensure and location, and they only calculate it once a claim is filed — so the exact number can't be known in advance. The checker above gives a close estimate; the real figure firms up after your first claim.
7. Can I use my HSA or FSA?
Yes — you can pay for sessions with HSA, FSA, or HRA pre-tax dollars, which is another way to lower your effective cost.
8. What if the checker doesn't work or I'm confused by the results?
Email a photo of the front and back of your insurance card (and your date of birth) to hello@beginboundless.com, and we'll help you make sense of what your plan typically reimburses.