It’s easier to find clarity when you’re clear on the costs.
Our sessions range from $170 to $210, depending on the type of session and which therapist you choose to work with.
Each therapist sets their own rates, so we encourage you to visit their page prior to contacting insurance.
Invest in Yourself
We understand that therapy is an investment, both emotionally and financially. In order to provide you with the highest level and most comprehensive care, we are not affiliated with any insurance panels.
We are considered an “out-of-network” provider for all PPO insurance plans, which means that you are responsible for paying the full fee upfront for each session. However, at the end of every month, we are happy to provide you with an invoice (also known as a “superbill”), which you will then submit to your insurance company for reimbursement.
Depending on your plan, you may get a percentage back of what you’ve already paid, which can help offset the out-of-pocket cost of therapy.
Insurance Guide
step one
Call your insurance company.
You can locate the member services phone number on the back of your insurance card.
step TWO
Find out if you have out-of-network benefits.
Ask the rep: "Does my plan include *out-of-network* benefits for mental health care? Specifically, for outpatient psychotherapy virtually?"
step three
Find out if you owe a deductible before the coverage kicks in.
Ask the rep: "Do I have a deductible for out-of-network mental health services, and if so, what is the remaining amount I would have to pay before my health plan starts to reimburse me for any fees I pay out-of-pocket?"
step four
Find out how much your plan will reimburse you.
Ask the rep: "What is the maximum amount my plan will reimburse for mental health service code 90837 (individual) or 90847 (family) with a therapist?" If the rep does not provide a clear answer, ask: "What is the maximum allowed amount for mental health service code 90837 with a therapist, and what percentage of the maximum allowed amount will my plan pay?" (This percentage of the maximum allowed amount is the amount you would receive as reimbursement.)
Reimbursement
In some cases, you can get reimbursed for a portion of the visit.
You may be able to have your insurance company approve what is called a “single case agreement” to cover the cost of an out-of-network provider.
In order to use insurance, a psychiatric diagnosis is placed on your permanent medical record. Paying privately for your services allows you to have your information kept completely private. It also provides greater flexibility for the number of sessions you wish to have.
Reimbursify
Reimbursify is an app for filing out-of-network health insurance claims.
Send them a photo of your claim and they will handle the rest, including determining your eligibility and following-up with your health insurance company.
There may be a $1.99 fee per claim submitted.
https://reimbursify.com/
*Wellness Collective Therapy Group is not affiliated with Reimbursify