Finally ready to start therapy but feel panicked about affordability?
Wondering if your therapist takes your insurance?
You may be surprised to know that most insurance plans have great out-of-network benefits. This means that seeing an out-of-network (OON) therapist doesn't necessarily equate to spending a lot of money. You may have OON mental health benefits included in your health insurance plan, which can help you cover most if not all of the cost of therapy. The extent of coverage may vary based on your plan, but it's possible for your insurance to reimburse you anywhere from 60-90% of the cost. This means that you could be reimbursed 90% for a session that that costs you $250. That means you would pay as low as $25 per session!
Questions To Ask Your Insurance Provider
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Do I have OON mental health benefits in my plan?
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What is the percentage of reimbursement for OON mental health services?
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Is there a limit on the number of OON mental health sessions that are covered?
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Is there a maximum amount that is covered for OON mental health services per year?
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What is the process for submitting a claim for OON mental health services?
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How long does it take for a claim to be processed and reimbursed?
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Are there any additional requirements, such as pre-authorization or referrals, for OON mental health services to be covered?
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Are there any exclusions or restrictions on OON mental health benefits?
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Do you reimburse for Telehealth appointments and is a specific modifier required?
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Can I choose any OON mental health provider or are there limitations on who I can see?
Step 1
Attend your therapy session, and make the session payment
How the process works
Step 2
We send you a superbill either weekly or monthly, which you can easily upload to your insurance portal to initiate reimbursement
Step 3
Dependent on your plan, your insurance provider will reimburse a portion of your session fee in the fo of a direct deposit or a physical check.
