A community of Licensed WEllness Professionals.
Fees and Out-of Network Insurance Benefits for Individual and Group Therapy Sessions
Our individual therapists each have a different fee structure for individual therapy. All of them offer a sliding scale range of fees for individual therapy depending on your financial situation. Individual therapist fees range from $40-$120 per 50 minute session. Fee arrangements are based on therapist experience, level of education, certifications and client's ability to pay. Our group therapy sessions are all $40 per session.
Payment is due on the day of service. You may pay by cash, check or credit card. As part of your intake process, your therapist may ask for authorization to bill your credit or debit card even if you plan to pay cash for most sessions. If you do not pay at the time of services, your card will be charged. If your check is returned for insufficient funds, your card will be charged for the session. If you fail to call in advance to cancel scheduled appointments, your card may be billed for the session.
Please click here to see which of our Wellness Associates accept insurance. Those of our Wellness Associates who do not accept any in-network insurance plans may be able to work with you to submit claims for out-of-network benefits.
Submitting for Out-of-Network Insurance Benefits
Your therapist can work with you to submit claims for Out-of-Network health insurance benefits. Here is what you need to know:
Instructions For Calling Your Insurance Provider
Questions to Ask Your Insurance Provider
Important Note: Please read carefully!
Many insurance companies will reimburse a percentage of the total fee paid. For example, your company may reimburse you 80% of the total fee paid, or $96 for a $120 individual session. Other companies will substitute the $120 fee for what they deem appropriate, regardless of what you paid. For example, your company may say that they will reimburse you 80% of the “allowed amount” of the fee. You paid $120 for an individual session, but your insurance company only allows $60. Therefore, you will be reimbursed 80% of $60, or $48. They may try to withhold this information from you and can legally do so. Ask to speak to a supervisor and say that you cannot plan your medical expense budget without this number.
Insurance reimbursements will vary from month to month:
Your out-of-pocket medical expenses can be minimized if your employer offers a pre-tax medical "flexible spending account."
Ask your accountant about taking a medical tax deduction for psychotherapy.
You may save money with an insurance plan that has a higher premium, but better benefits for out-of-network therapy (called Preferred Provider Organization, or PPO).
Why Do Some Wellness Associates Not Accept Any Insurance Plans?
Those of our Wellness Associates who do not accept any insurance plans do so for a variety of compelling reasons. Some of these benefits include: