Paying for Therapy
No More Guessing About Benefits
Payment issues can make finding a good therapist really difficult. That's why we offer several payment options to get the help you need.
The first step is easy. Schedule a free consultation and talk to a licensed therapist about your issue. During this free session, we will help you understand the different payment options available to you and help you find the most convenient way to cover your sessions.
Private Pay / HSA
People change when they are invested in the process. Full stop. We've decided on a primarily Private Pay model because this way of doing things asks a simple but important question: Are you really ready to do this?
Pros
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Private Pay clients are typically more invested in the process so they get better results.
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Health Savings Account (HSA) funds can be used to pay for therapy in this model.
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Therapist can keep a lower caseload which results in:
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Less time waiting to start
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More scheduling flexibility
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A better relationship with the therapist
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Zero insurance-related bullshit (see below).
Cons
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Investment in therapy comes totally out of the client's pocket.
In-Network Insurance
Therapists who are in-network with your insurance company sign an agreement to accept a reduced rate in exchange for the ability to be paid by that company. As a part of this agreement, they must submit a formal diagnosis to the insurance company for every client they see.
We currently accept Aetna insurance on a provisional basis because we understand some clients need therapy and simply can't pay out of pocket. Still, clients considering going this route should be aware of the potential drawbacks.
Pros
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Your treatment is paid for by insurance benefits after you meet your deductible.
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Finding a provider through the insurance company's search function is typically pretty easy.
Cons
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Client will have a mental health diagnosis on file which can lead to increased premiums.
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Insurance company can limit or deny treatment based on your plan/ policy.
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Therapists need to see more clients to make up for decreased revenue, leading to:
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Waitlists
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Decreased availability
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Diminished personal connection
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Out Of Network Insurance
Many people don't realize that they can still use their insurance to pay for treatment providers who are not in-network with their insurance company. Others understand that they have out-of-network benefits but are confused by the process of submitting claims for those benefits.
We have partnered with Mentaya to make getting reimbursed for your therapy sessions quick and easy. You can use the tool below to see if you have benefits that can be applied to therapy with us.
Pros
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Out of Network benefits reimburse an average of 62% of your therapy fees.
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The same attention and scheduling flexibility as Private-Pay.
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Less bullshit (but not zero).
Cons
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Client will have a mental health diagnosis on file with their insurance.
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Client pays for sessions out of pocket and is reimbursed by insurance later.
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Out-Of-Network benefits aren't paid until after a deductible is met.
Other Options
We're biased. We think mental health trumps everything else. So we often recommend making a trade-off: spending money on therapy now to be able to enjoy the other spends later.
Still, for many people, it's not about a trade off. It's just about not being able to afford care. If this sounds like you, there are some pathways that have worked for other clients in the past:
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Asking a work manager or HR rep about funds set aside for therapy or coaching.
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Asking for financial help from a family member or close friend who is invested in your mental health.
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Request a sliding scale fee. We reserve a limited number of spots that offer income-based discounts.
If you're having trouble figuring out how this all works, talk to us. It's free and we just might be able to help. That's what we're here for.