Out-Of-Network Benefits
If you have an insurance other than Aetna or BCBS, your plan may have out-of-network benefits, which means that a substantial portion of sessions can be covered up to 80% (sometimes more) of my fee.
I can support you in using your out-of-network (OON) benefits in two ways:
Automatic: I can submit OON claims automatically on your behalf via Mentaya, saving you time, effort, & insurance hassles; or
Manual: I can provide you with a superbill (a detailed receipt) that you can submit to your insurance for reimbursement.
Links to common insurance companies claim submission directions:
It’s okay to ask,
“Can I afford to take care of myself this way?”
If you’re unsure about your insurance benefits or how to navigate reimbursement, I’m happy to go over payment options, insurance, and what working together can look like within your means.
Understanding Out-of-Network Coverage
You can estimate how much therapy might cost by calling your insurance company and asking them the following questions. These variables get reset annually.
Out-of-network Benefits : Do I have coverage for virtual mental health services?
Deductible : Do I have a deductible for out-of-network benefits? If so, how much is that and how much of it have I met?
“Allowed Amount” : What is the “Allowed Amount” for psychotherapy (CPT code 90834 and 90837)?
Co-pay : Of that Allowed Amount, what will my insurance company pay, and what does the insurance company expect me to pay after I meet the out-of-network deductible?
Out-of-Pocket Maximum : What is the yearly out-of-pocket maximum for my policy, and how close am I to meeting it?
Session limit : Is there a limit to the number of sessions covered per year?
Knowing this information can help you estimate your out-of-pocket costs more accurately.
Reach Out
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Why We’re Different
Navigating mental healthcare or formal evaluations shouldn't mean facing systemic gatekeeping, hidden costs, or endless waitlists. We combine doctoral-level clinical expertise with transparency, offering specialized diagnostic assessments and relational psychodynamic therapy built around your real life.
