Insurance

Many clients choose private-pay therapy for the privacy, flexibility, and depth it allows. If you have out-of-network benefits, you may be eligible to receive partial reimbursement for the cost of therapy. Check your coverage directly using the Thrizer widget below. Scroll down for the answers to common insurance-related questions.

Check Your Out-of-Network Benefits

Use this tool to see if your insurance may cover part of therapy:

Your Questions, Answered

  • I am an out-of-network (OON) provider, which means you may be able to receive partial reimbursement for therapy. Many clients with out-of-network benefits are reimbursed approximately 50–80% of the session fee once any deductible is met, but reimbursement depends on your specific plan and is not guaranteed. My full session fee and accepted payment methods are listed on the General FAQs page.

  • Thrizer is a free reimbursement platform that helps automate the claims process for clients seeking to used their out-of-network benefits to be reimbursed by their insurance company. Use the benefits calculator above to get a rough, instant estimate of potential reimbursement based on your insurance information.

  • Yes! If you’d like guidance or have questions about using Thrizer or submitting claims, feel free to reach out. I’m happy to walk you through the process or provide any information you need.

  • Before using your out‑of‑network benefits, it’s helpful to call your insurance company and ask:

    • Do I have out‑of‑network outpatient mental health coverage?

    • Can these benefits be used for telehealth sessions?

    • Does my plan reimburse for therapy with an LCAT (Licensed Creative Arts Therapist)?

    • What is my out‑of‑network deductible and how much have I met so far?

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

    • What is the allowed rate for CPT codes 90834 or 90837?

    • How do I submit claims and how long does reimbursement usually take?

    Insurance companies use specific codes and terms, so it’s okay to ask them to explain anything you don’t understand.

  • Insurance companies require a formal mental health diagnosis in order to reimburse services, and I do not provide diagnoses. In many cases, a diagnosis may already be available through your primary care provider or a previous mental health provider. If not, I’m happy to help connect you with a trusted clinician who can provide one if needed for reimbursement.