top of page
Online therapy in Brea, CA 92821

Is Therapy Covered by My Insurance?

Therapy Fees & Insurance

Therapy Session Fees

All clients start with a 60-minute initial intake assessment and the fee is $200.  Each session afterwards is 50-55 minutes and the fee is $175. 

Payment Options

I offer a few options to choose from when paying for your therapy services: (1) out-of-pocket by credit card or FSA/HSA, (2) through your health insurance plan, or (3) through your out-of-network benefits by superbill invoice.

Out-of-Pocket

Paying out-of-pocket means that you are paying for your therapy services directly, by debit or credit card. Most people choose this option if they do not have health insurance; if their health insurance carrier and I are not on contract; or if they have willfully opted out of using their insurance benefits.

Health Insurance

Using your health insurance to pay for therapy can make getting the support you need more accessible and affordable. In most cases, the amount you pay per session will vary depending on your plan, whether you've met your deductible, and your therapy provider.
 
If you are currently insured by any of the following health insurance providers, I am considered "in-network" and can accept your health insurance as payment for therapy: 

  • Optum

  • Aetna

  • United Healthcare

  • Oscar

  • Oxford

  • Meritian

  • UMR

  • UHC Student Resources

Out-of-Network Coverage

This option is for people who have a health insurance plan that covers out-of-network providers (there's more information on how to go about verifying this below!)  This is a great option if you want to work together but have a health insurance company that I'm not contracted with. The way it works is, you pay the standard therapy fee out-of-pocket at the time of your service, I provide you with a receipt called a "superbill," you submit the receipt to your insurance, and then you receive partial reimbursement.

Have Questions About Paying for Therapy?

Whether you have more questions about your payment options, would like to check your health insurance benefits, or are looking for lower-cost options, I'm here to help.  Reach out today for a free 15-minute consultation and we can talk through your questions together.

How Do I Know If My Plan Covers "Out-of-Network" Providers?

Verifying Out-of-Network Coverage

Being an "out-of-network" provider essentially means that I am not contracted (i.e., "in-network") with your health insurance plan.  The amount reimbursed to you by your insurance plan - whether it's 70% or 80% (sometimes less) of the amount you paid - will be determined by your specific plan, so it's important to contact your insurance directly to check.

 

Here are some useful questions to ask your insurance provider:

  1. What is the name of my plan? Is it an HMO or PPO?

  2. Does my plan include out-of-network mental health benefits?

  3. What is my deductible? How much of my deductible have I met this year?

  4. Is pre-approval required before obtaining out-of-network services in order to be reimbursed?

  5. Are there any diagnoses not covered?

  6. How do I obtain reimbursement for therapy with an out-of-network provider? How do I submit claim forms for reimbursement?

  7. If I submit a claim, will I be reimbursed the full amount I paid or a portion? (If they ask for codes, you can give them 90791 for the initial assessment and 90834 for individual sessions between 38 and 52 minutes, or 90837 for individual sessions 53+).

*Here is a helpful article with more information*

Things to Consider When Using Your "Out-of-Network" Coverage

  • If you are requesting superbills: 1) You must meet the criteria of a mental health diagnosis, 2) You might have limits on session modality, time, and frequency, 3) Your therapy will require “medical necessity” for coverage. Please note: I will not provide superbills if you don’t meet the full criteria for a qualifying mental health disorder.

  • Since most insurance companies have specific time frames to process reimbursement claims, it is important that you submit the "superbill" to your insurance provider in a timely matter. 

  • I CANNOT guarantee reimbursement from your insurance provider. (When you process claims through Reimbursify, if your claim gets rejected or denied, Reimbursify’s Rejection Resolution Pathway will help you easily navigate how to correct it). Please contact your insurance company to determine their out-of-network reimbursement rates. See the FAQs page for more helpful information.

  • Providing a superbill will require me to disclose information to your insurance provider about your treatment and diagnosis in order to prove that your therapy is "medically necessary." For some people, this can feel intrusive and raise concerns about sharing sensitive information. If this is a concern, paying out-of-pocket might be a better option.   

bottom of page