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Complete Health Wellness GroupRooted in Wellness

Insurance & Billing

Health insurance can be confusing—different plans, changing networks, deductibles that reset, and terminology that seems designed to obscure rather than clarify. We're here to help you understand your coverage, know your costs upfront, and navigate the system with confidence.

Getting mental health care should be straightforward. Understanding how to pay for it often isn't. We've created these resources to help you make sense of insurance terms, verify your coverage before you commit, and know exactly what to expect financially. You also have rights as a patient—including protections under the No Surprises Act—and we want you to know how to use them.

Good News: You Have Rights

Federal law protects you from surprise medical bills and requires providers to give you cost estimates in writing. If you're not using insurance, you're entitled to a Good Faith Estimate before care begins. If your final bill exceeds that estimate by $400 or more, you can dispute it. Learn about your rights →

Important to Know

The information on these pages is educational—designed to help you understand how insurance and billing work. Every plan is different, and benefits change. Always verify your specific coverage directly with your insurance company before beginning treatment. We're here to help you navigate that process.

What Do You Need to Know?

Find answers to your insurance and billing questions

Do You Accept My Insurance?

See our in-network carriers, understand plan variations, and learn why the logo on your card is just the starting point.

Understand Your Costs

Learn how deductibles, copays, and coinsurance work together to determine what you actually pay per session.

Verify Your Benefits

Step-by-step guide with exact questions to ask your insurance, what the answers mean, and how to document everything.

Know Your Rights

Your protections under the No Surprises Act, Good Faith Estimate requirements, and how to dispute unexpected bills.

Your Right to Know Costs Before Care

Under the No Surprises Act, you have the right to receive a written estimate of expected charges before you receive care. This federal protection helps you make informed decisions and avoid unexpected bills.

If You're Using In-Network Insurance:

Your costs are determined by your plan's terms—copay, coinsurance, and deductible. We bill your insurance directly and collect your cost-share at each session. A Good Faith Estimate isn't typically required, but you can always ask us for a cost estimate based on your verified benefits.

If You're Self-Pay or Out-of-Network:

You'll receive a Good Faith Estimate before or at your first appointment showing expected charges for your treatment plan. If we're out-of-network but you have OON benefits, we provide superbills for you to submit for reimbursement. If your final bill exceeds the estimate by $400+, you can dispute it through a federal process.

Learn more about Good Faith Estimates, your dispute rights, and how the process works →

Insurance Plans We Accept

We are credentialed with several major insurance networks—but the carrier name is just the beginning

We participate with a variety of insurance plans to help make therapy accessible. However, seeing a familiar carrier name on your card doesn't guarantee we're in-network for your specific plan. The same carrier offers different products—commercial, Medicare Advantage, Medicaid, exchange plans—each with different networks.

Additionally, about 67% of workers have "self-funded" employer plans where the company (not the insurance carrier) sets benefits. And many employers carve out mental health to separate companies like Optum, Magellan, or Carelon—meaning your medical network and mental health network may be different.

Networks we participate with include:

  • • Aetna (commercial)
  • • CareFirst BCBS
  • • Cigna / Evernorth
  • • United Healthcare
  • • Johns Hopkins EHP
  • • And more...
View Full List & Understand Plan Variations →

Not Sure About Your Coverage?

Insurance can be confusing—and the details matter. Before your first appointment, we strongly recommend verifying your mental health benefits. Our guide walks you through exactly what to ask, what the answers mean, and how to document everything.

Key questions to ask your insurance:

  • • Is this specific provider in-network for my plan?
  • • What's my deductible and how much have I met?
  • • What will I pay per therapy session?
  • • Do I need prior authorization?
How to Verify Your Benefits

Self-Pay & Out-of-Network Options

Therapy is available even if we're not in-network with your insurance

If we're not in-network with your insurance, or if you prefer not to use insurance at all, self-pay is always an option. Many clients choose self-pay for greater privacy, to avoid insurance documentation requirements, or simply for the flexibility of not involving a third party in their care.

Out-of-Network Benefits: Even if we're not in-network, your plan may reimburse a portion of your costs through out-of-network benefits. Typically this means a separate (usually higher) deductible and 50-70% coinsurance of the "usual and customary" rate. We provide superbills—detailed receipts with all the information your insurer needs—that you can submit for reimbursement.

Session Rates: Our self-pay rates are provided during your initial consultation. We're happy to discuss options and help you understand what you can expect to pay. Contact our team to learn more.

Learn About Out-of-Network BenefitsUnderstand Therapy Costs

Questions About Insurance or Billing?

Insurance is complicated—we get it. Our team is here to help you understand your coverage, verify your benefits, and figure out your options. Don't hesitate to reach out before your first appointment.

Contact Our Team

Common Questions

Quick answers to frequently asked insurance and billing questions

Your cost depends on four factors: your plan type, your deductible (and how much you've met), whether you have a copay or coinsurance, and our network status with your specific plan. For example, if you have a $1,500 deductible and haven't met it, you'll pay the full allowed amount ($150-180) per session until you hit that deductible. After that, you might pay a $30 copay or 20% coinsurance. We can help you verify these details before your first appointment.

First, check with us—insurance networks change frequently and we may have added new contracts. If we're truly out-of-network for your plan, you likely still have options: many plans have out-of-network benefits that reimburse 50-70% of the "allowed amount" after you meet a separate out-of-network deductible. We provide superbills (detailed receipts) you can submit to your insurer for reimbursement. Self-pay is also available.

Seeing a carrier name like "CareFirst" doesn't guarantee coverage. That same logo can represent commercial plans, Medicare Advantage, Medicaid, or self-funded employer plans—each with different networks and benefits. About 67% of workers have self-funded plans where the employer, not the insurance company, decides coverage. Plus, many employers carve out mental health to separate companies like Optum or Magellan. Verification confirms your specific plan includes us.

Under the No Surprises Act (effective January 2022), anyone not using insurance has the right to a written cost estimate before care begins. If you're self-pay or using out-of-network benefits, we'll provide a Good Faith Estimate showing expected charges for your planned treatment. If your final bill is $400 or more above the estimate for the same services, you can dispute it through a federal process.

It depends on your plan type. HMO and POS plans typically require a referral from your primary care doctor. PPO and EPO plans usually don't require referrals for mental health care. Some plans require prior authorization (different from a referral) for therapy sessions. When you verify your benefits, specifically ask: "Do I need a referral or prior authorization for outpatient therapy?"

A copay is a fixed dollar amount you pay per visit (like $30 for each therapy session). Coinsurance is a percentage of the allowed cost (like 20%, meaning you pay $30 of a $150 session). Both typically apply after you've met your deductible. Some plans have copays for some services and coinsurance for others—your Summary of Benefits will specify which applies to mental health visits.
View All FAQs →

Ready to Get Started?

Schedule a consultation to discuss your needs, verify your benefits, and learn how we can support your mental health journey.

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