Understanding Your Insurance & Patient Responsibility

Navigating insurance and healthcare costs can feel overwhelming—especially when you're focused on

your mental wellness. We're here to help you understand your options and make your journey smoother.

 

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We Accept the Following Insurance Plans

​We are in-network with many major insurance companies, including:

• Blue Cross Blue Shield

• GEHA

• Aetna

• Cigna

• Optum / United Healthcare

• Medicare

• Tricare

• Caresource

If you're unsure whether your plan is covered, we’re happy to help verify your benefits before your first appointment.

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Understanding Your Out-of-Pocket Costs

When you see a provider, you may be responsible for certain out-of-pocket costs, such as:

• Copayment – a fixed amount you pay for a covered service.

• Coinsurance – your share of the costs of a service, calculated as a percentage.

• Deductible – the amount you pay out-of-pocket before your insurance starts to pay.

• Services not covered by your plan - some services aren't covered by your insurance plan.

These amounts are determined by your insurance plan—not by our office—so they may vary from patient to patient.

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In-Network vs. Out-of-Network

​✅ In-Network Care

Because we are in-network with many insurers, you only pay your share of the cost (your copay, coinsurance, or deductible). These are usually more affordable and go toward your plan's out-of-pocket maximum. Please monitor your explanation of benefits to understanding your patient responsibility.

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⚠️ Out-of-Network Care

"Out-of-network" means the provider hasn't signed a contract with your health plan. If you choose an out-of-network provider:

• You may pay more out of pocket.

• You may be balance billed for the difference between what your plan pays and the provider’s full fee.

• These costs might not count toward your annual out-of-pocket limit.

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We always encourage you to choose an in-network provider, when possible, to avoid unexpected costs.

 

We recommend calling your insurance provider before your first session to ask:

• “Is this practice in-network?”

• “What is my copay or coinsurance for mental health?”

• "Do you cover telehealth services, or will I be responsible for the full cost?"

• “Have I met my deductible?”

• “Do I need preauthorization for my services?”

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Affordable Options & Sliding Scale Rates

We believe care should be accessible. That’s why we offer:

• Standard rates for private pay clients

• Reduced-rate sessions for those who qualify, based on financial need or insurance coverage gaps

If you're facing financial hardship or are uninsured, talk with us. We’ll work together to find a plan that fits your situation.