Why Don’t You Accept Insurance?

There are a few key reasons why we do not accept insurance. The main reason is that insurance companies often add unnecessary complexity to therapy. They can limit the number of sessions, impose rigid treatment requirements, and restrict a therapist’s clinical approach. We value individualized, high-quality care, and we find we can provide that best when we aren’t constrained by insurance panels. Additionally, insurance billing can be complicated and time-consuming, which ultimately takes time away from supporting our clients.

We Do Not Bill Insurance Directly…

We are an out-of-network, private-pay practice and do not bill insurance on your behalf. This means payment is due at the time of service. Many clients still receive partial reimbursement by submitting superbills to their insurance company, and we’re happy to provide these monthly to support that process.

What is a Superbill?

A superbill is an itemized receipt that includes the information insurance companies need to process out-of-network reimbursement. It lists your diagnosis (if applicable), the type of session, CPT codes, dates of service, and fees paid. You submit the superbill directly to your insurance provider, who may reimburse you directly depending on your plan.

How to Check Your Out-of-Network Benefits?

Because every insurance plan is different, it’s important to verify your out-of-network (OON) mental health benefits before starting therapy. You can call your insurance provider and ask the following questions:

• “Do I have out-of-network benefits for mental health?”

• “What is my out-of-network deductible, and how much of it has been met?”

• “What percentage of the fee will you reimburse after I meet my deductible?”

• “Do you cover telehealth services with an independently licensed therapist?”

• “How do I submit a superbill for reimbursement?”

This gives you a clear sense of what your insurance may reimburse.

How Do You Use Superbills for Reimbursement?

Using superbills is simple. After you attend your sessions and pay the full fee, we provide a superbill at the end of each month. You upload the document to your insurance portal or submit it through their claims department. If your plan includes out-of-network benefits, they may reimburse you directly. Please note that reimbursement is never guaranteed and depends entirely on your plan’s policies.

Do You Accept HSA/FSA?

Yes, you can use your HSA or FSA funds for therapy. We partner with Sessions Health Electronic Health Records, which securely processes payments through Stripe. If you have an HSA/FSA card, you can simply enter that card information into your portal, and sessions will be charged directly to it. Most clients find this to be the easiest way to use pre-tax funds for mental health care.

Good Faith Estimate:

In compliance with the No Surprises Act, all clients have the right to receive a Good Faith Estimate outlining the expected cost of therapy before treatment begins. This estimate reflects the typical range of session fees you may incur based on your needs and treatment plan. We are happy to provide a Good Faith Estimate at any time upon request.