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
Quest Behavioral Health
Quest Behavioral Health EAP and insurance plans
WTC Health Program
Federal World Trade Center Health Program for eligible members
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.
What Your Insurance Covers
Every plan is a little different. Here's what to expect with each of the carriers we work with. Not sure about your coverage? Call us at (239) 427-1833 and we'll check your benefits for you.
Aetna
We're in-network with many Aetna PPO, HMO, and employer-sponsored plans. Aetna typically covers individual therapy, couples counseling, and approaches like CBT, EMDR, and DBT -- both in-person and through telehealth. Give us your member ID and we'll confirm your copay and deductible status before your first session.
Blue Cross Blue Shield
We accept BCBS of Florida and many out-of-state BCBS plans through the BlueCard program. BCBS generally provides strong coverage for outpatient mental health services including individual therapy, family therapy, and specialized treatments. If you have a BCBS card, there's a good chance we can work with your plan.
Cigna
We're in-network with Cigna and Evernorth behavioral health plans. Most Cigna plans cover individual counseling, couples therapy, and specialized treatments like EMDR and DBT. Telehealth sessions are typically covered at the same rate as in-person visits.
Medicare Part B
Medicare Part B covers 80% of the approved amount for outpatient therapy after your annual deductible. There are no session limits for medically necessary mental health care. If you have a Medigap supplemental plan, it may cover some or all of your 20% coinsurance. Please note we do not currently accept Medicare Advantage plans.
United Healthcare
We're in-network with United Healthcare, UMR, and Optum behavioral health plans. If your card says UHC, UMR, or Optum, we can likely see you at in-network rates. Most UHC plans cover telehealth sessions as well, so you can meet with your therapist from home.
Care Partners / Lee Health
We accept Care Partners, the insurance network affiliated with Lee Health. Care Partners covers outpatient mental health services including individual therapy, couples counseling, and specialized approaches. As a local network serving Lee and Collier counties, it's a natural fit.
Copays, deductibles, and covered services vary by plan. We'll confirm your specific costs before you begin.
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 About Insurance & Therapy
How do I know if my insurance covers therapy?
The easiest way is to call us at (239) 427-1833 and give us your insurance information. We'll verify your benefits and let you know exactly what's covered, what your copay or coinsurance will be, and whether you have a deductible to meet. You can also call the member services number on the back of your insurance card and ask about outpatient mental health benefits.
What if I have a high deductible?
If you have a high-deductible health plan, you'll pay the full session fee until your deductible is met. After that, your insurance kicks in and you'll typically only owe a copay or coinsurance amount. Many clients use their HSA or FSA to cover sessions while working toward their deductible. We also offer sliding scale options for those experiencing financial hardship.
Do you offer out-of-network or self-pay options?
Yes. If we're not in-network with your plan, many PPO plans still offer partial reimbursement for out-of-network providers. We'll provide a superbill you can submit to your insurance for reimbursement. We also offer competitive self-pay rates and accept HSA/FSA cards, credit cards, and other payment methods.
What does a therapy copay typically cost?
Therapy copays vary by plan but typically range from $20 to $50 per session for in-network providers. Your exact copay depends on your specific insurance plan. We'll verify this for you before your first appointment so there are no surprises.
Can I use insurance for telehealth sessions?
Yes. Most insurance plans now cover telehealth therapy sessions at the same rate as in-person visits. We offer telehealth to clients located anywhere in Florida, and your copay and coverage are typically the same whether you meet with your therapist in person or online.