We currently accept the following insurance plans in Maryland:

- Aetna,

- Carelon Behavioral Health,

- Cigna

- BCBS of Massachusetts

- Horizon BCBS of New Jersey

We do NOT accept any insurance plans in California *yet* and are out-of-network providers. We do provide you with a superbill (i.e. a receipt) that you can submit for reimbursement from your insurance if you have out-of-network benefits. Please contact us for more detailed insurance information.

Being "out-of-network" means that I do not have a contract with your insurance company. However, many insurance plans still offer partial reimbursement for services provided by out-of-network therapists. You would pay for the session upfront, and then submit a claim to your insurance company for reimbursement, if eligible.

*To find out if your insurance plan covers out-of-network therapy, you can contact your insurance provider and ask the following questions:

• Does my plan cover mental health services from out-of-network providers?

• What is my out-of-network deductible, and how much of it has been met?

• What percentage of the session fee will be reimbursed after the deductible is met?

• Do I need to obtain a referral or pre-authorization for out-of-network therapy?

A superbill is an itemized receipt I can provide you after each session. It includes all the necessary information for your insurance company to process a reimbursement claim. Once you receive the superbill, you can submit it directly to your insurance provider. They will then reimburse you based on your out-of-network benefits.

The reimbursement rate depends on your specific insurance plan. Typically, insurance companies will reimburse a percentage of the session fee, such as 50-80%, after you’ve met your out-of-network deductible. It’s a good idea to contact your insurance provider to understand your reimbursement rates.

If your insurance does not cover out-of-network therapy, you would be responsible for the full cost of each session. However, we offer a sliding scale fee for clients with financial need, and you can explore other options like using Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs), which may allow you to pay for therapy using pre-tax dollars.

There a couple of options for submitting your claims for reimbursement:

1. You can submit your claim independently by following your insurance company's specific process, which usually involve filling out a claim form and submitting it along with the superbill. Most insurance companies allow you to submit claims online.

2. We've partnered with Mentaya, a service that streamlines getting reimbursed for your therapy sessions through out-of-network benefits. Mentaya charges a 5% fee per claim, which includes handling any paperwork required, dealing with denials, and calling insurance companies. It's risk-free: They guarantee claims are successfully submitted, or a full refund of their fees.