Rates

Insurance can be confusing — especially when it comes to mental health benefits.
This page explains copays, deductibles, and superbills in clear, simple language so you always know what to expect.

A copay is a fixed dollar amount you pay at each visit.

Common examples include:

• $20 for a primary care visit
   
• $40 for a specialist
   
• $10–$50 for medication management
   

Many insurance plans do not use copays for therapy sessions.
Most mental health services fall under Behavioral Health, which often has separate rules from regular medical care.

If your plan does include a copay for psychotherapy, our office will confirm that with your insurance.

A deductible is the amount you must pay out of pocket before your insurance begins covering behavioral health services.

Many plans have:

• A Medical Deductible, and
   
• A Separate Behavioral Health Deductible
   

Therapy sessions are billed using psychotherapy CPT codes, which apply to the Behavioral Health deductible, not the standard medical copay.

Until your Behavioral Health deductible is met, insurance requires you to pay the full contracted rate for therapy sessions.

Example:
If your deductible is $3000, and you have $1925.53 remaining, you will pay the contracted session rate until the deductible is met.
After that:

• Your sessions may be covered at 100%, or
   
• You may pay a small coinsurance amount
   

This varies by plan.

A superbill is a detailed receipt you can submit to your insurance company when you pay out of pocket.

A superbill includes:

• Diagnosis code
   
• CPT code (session type)
   
• Provider license, NPI, and tax ID
   
• Date of service
   
• Amount paid
   

Submitting a superbill may allow you to:

• Receive partial reimbursement
   
• Have what you paid count toward your deductible
   
• See a therapist who is out-of-network
   
• Use lower cash-pay rates while still receiving reimbursement
   

Many clients with high deductibles find this more affordable.

Cash pay plus a superbill may be better when:

• Your deductible is high
   
• You haven’t met your deductible
   
• The insurance contracted rate is higher than our cash pay rate
   
• You want transparent, predictable pricing
   
• You want to choose your provider freely
   

This option can help clients lower their immediate costs while still applying payments toward their insurance benefits.

Insurance billing may be best when:

• Your deductible has already been met
   
• You have a low copay for therapy
   
• You prefer the simplicity of direct insurance billing
   
• You are using HSA/FSA funds
   

We will always help you determine which option is more cost-effective.

We are happy to:

• Verify your insurance
   
• Explain your behavioral health coverage
   
• Estimate your out-of-pocket costs
   
• Help you decide between insurance billing or superbill reimbursement
   

Our goal is to make accessing mental health services as affordable and stress-free as possible.