What does “in-network'“ mean?

When a therapist is in-network with an insurance company, they have a contractual agreement with that insurance provider to offer services at negotiated rates. As an in-network provider, we bill the insurance company directly for covered services.

Depending on your specific plan, you may be responsible for:

• Copayments

• Coinsurance

• Deductibles

• Non-covered services

The amount you owe is determined by your insurance plan, not by our practice.

We are currently in-network with the following insurance companies:

• Aetna

• Anthem

• Blue Shield

• Carelon

• Central California Alliance for Health

• Cigna

• GEHA

• Magellan

• Medi-Cal

• Medicare

• Partnership

• Prime (Keenan)

• Sutter Health via Carelon

Insurance plans and benefits vary significantly, even within the same insurance company. We encourage clients to verify their mental health benefits directly with their insurance carrier prior to beginning treatment.

What does “out-of-network” mean?

If we are not contracted with your insurance company, we are considered an out-of-network provider. Many insurance plans include out-of-network benefits that may reimburse a portion of your therapy expenses. The amount of reimbursement varies depending on your individual plan and coverage.

Questions to Ask Your Insurance Company

• Do I have out-of-network mental health benefits?

• What is my deductible?

• What percentage of the fee is reimbursed after my deductible is met?

• Is there a limit on the number of sessions covered?

• Do I need preauthorization?

Courtesy Billing for Out-of-Network Claims

As a convenience to our clients, we offer courtesy billing for many out-of-network insurance plans. This means we can submit claims to your insurance company on your behalf, helping reduce the paperwork and administrative burden for you.

Important: Payment is Due at the Time of Service

Because we do not have a contractual relationship with out-of-network insurance companies, clients are responsible for paying the full session fee at the time services are provided. After the claim is processed, your insurance company may reimburse you directly or send reimbursement to our office.

We cannot guarantee reimbursement or predict the amount your insurance company will pay. Clients remain financially responsible for all services regardless of insurance reimbursement.

While we are happy to assist clients in understanding insurance benefits, insurance coverage is ultimately an agreement between you and your insurance company. Insurance companies may change benefits, eligibility, deductibles, and reimbursement rates without notice.

Clients are responsible for:

• Verifying insurance coverage

• Understanding out-of-network benefits

• Paying balances not covered by insurance

• Understanding deductibles and co-pays

• Monitoring benefit levels

Intake Session: $200

Individual Session: $150

Couples & Family Sessions: $150

We do offer a sliding scale to those who are elible

We accept Cash, Check, Mastercard, Visa, Discover, American Express, and Health Savings Account

If you are not using insurance, federal law allows you to receive a Good Faith Estimate outlining the expected cost of services. We are happy to provide this information and discuss fees before treatment begins.