Insurance & Fees
What you'll actually pay
Insurance feels complicated — but for most people it comes down to three figures. Here's what they mean and how we make sure you always know exactly where you stand.
We're in-network with most major insurers:
How in-network costs are structured
Your costs follow a sequence of thresholds — but you don't have to reach all of them. Most people stay in phase 1 or 2 the entire year. Some plans skip phase 1 entirely.
The amount you pay out-of-pocket each year before your insurance starts covering sessions. Until you hit it, you pay the full in-network session rate — still much lower than out-of-network. Some plans have a $0 deductible for mental health — meaning you skip this phase entirely and go straight to your copay.
Example
If your deductible is $500 and a session costs $100, you'll pay $100/session until you've spent $500 total. After that, you're in the copay phase.
What we do
We call your insurer before your first session and confirm your exact deductible — and how much you've already met. You'll know your cost per session before you ever step in the door.
Once your deductible is met, you pay either a fixed copay (e.g., $30 per session) or a coinsurance percentage (e.g., 20%). Insurance covers the rest. This is the most common phase for ongoing therapy.
Example
A $30 copay means every session is $30 — predictable, every time. Coinsurance of 20% means you pay 20% of the session rate, insurance pays 80%.
What we do
We'll confirm your exact copay or coinsurance amount before your first appointment. It won't change session to session unless your plan changes.
The most you will pay in a calendar year — across all deductibles, copays, and coinsurance combined. Once you hit it, your insurance covers 100% of covered services for the rest of the year. Most ACA-compliant plans include an out-of-pocket maximum, though some older employer-sponsored plans may not. That said, most people in therapy never reach it in a single year.
Example
With a $3,000 OOP max, once you've paid $3,000 total this year, every session after that costs you nothing.
What we do
We track your running out-of-pocket total throughout the year. When you're getting close to your max, we'll flag it — so you can plan your schedule accordingly.
Keep in mind
In-network and out-of-network costs are tracked separately
Most plans have different deductibles and out-of-pocket maximums for in-network vs. out-of-network care. Payments you make to out-of-network providers generally don't count toward your in-network deductible — and vice versa.
All your providers share the same deductible and OOP max
These aren't therapy-specific numbers — they apply across your entire plan. A doctor's visit, a lab test, or a specialist appointment all count toward the same deductible and out-of-pocket maximum as your therapy sessions.
Not sure about your coverage?
Tell us your insurer and we'll verify your deductible, copay, and out-of-pocket max for free — before you commit to anything.
Check My Coverage — FreeWhat we handle for you
You focus on showing up. We take care of everything on the insurance side.
Verify your benefits
We contact your insurer before your first session to confirm your exact coverage, deductible status, and cost per visit.
Submit every claim
After each session we file the claim directly with your insurer. You never touch a form or deal with reimbursement paperwork.
Handle billing questions
If you get a confusing Explanation of Benefits or have questions about a charge, call or email us — we'll sort it out with the insurer on your behalf.
Check your out-of-pocket cost
Before you commit, we'll tell you exactly what to expect per session — no surprises on your first bill.
No paperwork maze. No insurance confusion.
Getting started is simple
We'll handle the insurance
Tell us your provider — we verify your benefits, check your coverage, and explain what to expect. No homework on your end.
Match with a therapist
We'll suggest the right fit based on what brings you in, your schedule, and your preferences.
Start when you're ready
Once matched, schedule your first session at a time that works for you — in person or remote.