Insurance & Paying for Therapy
Making quality mental health care accessible and affordable for everyone
Insurance Plans We Accept
We're committed to making mental health care accessible. We work with most major insurance providers to help you get the care you need.
Aetna
Many Aetna plans accepted
Blue Cross Blue Shield
BCBS of Florida and out-of-state plans welcome
Cigna
Cigna and Evernorth behavioral health plans
Medicare
Medicare Part B accepted (not Medicare Advantage plans)
Care Partners plans through Lee Health accepted
United Healthcare
UHC, UMR, and Optum behavioral health plans
Many Others
Contact us to verify your specific plan
Don't see your insurance? We're continually adding new providers to our network. Contact us to verify whether we accept your specific plan or can provide out-of-network benefits information.
Understanding Your Benefits
We'll help you understand and maximize your insurance coverage
Copays
A copay is a fixed amount you pay for each therapy session (typically $20-$50). This amount is determined by your insurance plan and is due at the time of your appointment. We'll tell you your exact copay amount before your first visit.
Deductibles
A deductible is the amount you pay out-of-pocket before your insurance begins to cover services. If your plan has a deductible, you'll pay the full session fee until you've met this amount. After that, you'll typically only pay your copay or coinsurance amount. Many plans have separate deductibles for mental health services.
Coinsurance
Coinsurance is the percentage of the session cost you pay after meeting your deductible. For example, if your plan has 20% coinsurance, you pay 20% of the session fee and your insurance pays the remaining 80%. We'll help you understand your specific coinsurance amount.
Out-of-Pocket Maximum
This is the maximum amount you'll pay for covered services in a plan year. Once you reach this limit, your insurance pays 100% of covered services for the rest of the year. This provides protection against high medical costs.
How It Works
We make it easy to understand your coverage before your first appointment
Contact Us
Call us at (239) 427-1833 or fill out our online contact form with your insurance information
We'll Verify
We'll contact your insurance company to verify your mental health benefits, copay, deductible, and coverage details
Get Started
We'll explain your coverage in plain language and schedule your first appointment with no surprises
What We'll Tell You:
- Whether we're in-network with your insurance plan
- Your exact copay or coinsurance amount per session
- Your deductible amount and how much you've already met
- Whether pre-authorization is required (we'll handle this for you)
- Session limits or visit caps (if any apply to your plan)
Paying Without Insurance
Affordable rates for those without insurance or who prefer to pay out-of-pocket
Private Pay Benefits
Session Rates
Rates may vary by therapist and session type. We'll provide exact pricing during your initial consultation.
Sliding Scale Available
We offer a limited number of reduced-fee appointments for individuals experiencing financial hardship. Please contact us to discuss whether sliding scale rates may be available.
Out-of-Network Options
Many insurance plans offer partial reimbursement for out-of-network providers
How Out-of-Network Benefits Work
Even if we're not in-network with your specific plan, you may still be able to receive significant reimbursement for our services. Many PPO and POS plans offer out-of-network mental health benefits.
Pay at Time of Service
You'll pay the full session fee when you attend your appointment
Receive a Superbill
We'll provide a detailed receipt (superbill) with all necessary information for insurance submission
Submit to Insurance
Submit the superbill to your insurance company for out-of-network reimbursement
Receive Reimbursement
Your insurance will send you a check for the covered portion (often 50-80% of the session cost)
Check Your Out-of-Network Benefits
Call the member services number on the back of your insurance card and ask these questions:
- "Do I have out-of-network mental health benefits?"
- "What is my out-of-network deductible and have I met it?"
- "What percentage does my plan reimburse for out-of-network psychotherapy (CPT code 90834)?"
- "Do I need pre-authorization for out-of-network mental health services?"
Common Questions
How do I know if you accept my insurance?
Contact us with your insurance information, and we'll verify your coverage within 1-2 business days. We'll let you know if we're in-network, what your costs will be, and whether any pre-authorization is needed.
Will I need a referral from my primary care doctor?
This depends on your insurance plan. HMO plans often require referrals, while PPO plans typically do not. We'll check this when we verify your benefits and let you know if a referral is needed.
What if I haven't met my deductible yet?
If you haven't met your deductible, you'll be responsible for the full session fee until your deductible is satisfied. We'll let you know exactly how much you'll pay per session based on your current deductible status. Many clients find that even with a deductible, therapy is more affordable than expected.
Do you file insurance claims for me?
Yes! For in-network insurance, we handle all the billing and file claims directly with your insurance company. For out-of-network benefits, we provide you with a detailed superbill that you can submit to your insurance for reimbursement.
What payment methods do you accept?
We accept all major credit cards (Visa, Mastercard, American Express, Discover), debit cards, HSA/FSA cards, cash, and checks. Payment is due at the time of service unless other arrangements have been made.
Can I use my HSA or FSA for therapy?
Yes! Mental health counseling is an eligible expense for Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You can use these tax-advantaged accounts to pay for therapy sessions, copays, and deductibles.
What if my insurance doesn't cover enough sessions?
Some insurance plans limit the number of therapy sessions per year. If you reach your plan's limit but want to continue therapy, you can continue on a self-pay basis at our standard rates. We also offer limited sliding scale options for those experiencing financial hardship.
Will using insurance affect my privacy?
When you use insurance, your insurance company will have access to your diagnosis, treatment dates, and sometimes treatment notes. If you prefer complete privacy, you may choose to pay out-of-pocket (self-pay), which keeps your therapy completely confidential with no insurance company involvement.