Services Offered
Choosing Self-Pay or Insurance
Self-Pay
Insurance
Benefits
- No diagnosis is required to be documented
- More privacy of your health record
- Freedom to go at your own pace without insurance requesting or requiring information
- Can use your HSA, FSA, MSA, RSA Accounts
- Can be provided Superbill to seek reimbursement from the insurance
- Can use a statement for medical expenses for your annual taxes
- Sliding Scale Option Available for some
- Cost-effective for some
- Some insurance companies have programs where they provide in-network coverage for out-of-network providers based on specific mental health conditions (diagnosis)
- Some insurance has case management support
Cost
- Could be considered an upfront investment
- No insurance support if not using HSA, FSA, MSA, RSA Accounts, or Superbills
- Superbills do not guarantee reimbursement or full-rate reimbursement
- Requires Diagnosis upon the first visit
- Insurance takes time to process session fees
- Insurance may request progress notes or increased information for approval of coverage
- Some Insurance only allows a certain number of limited sessions per year
Fees
Service
Description
Fee (Self-Pay Rate)
Individual Therapy Session
- Scheduled for 60 or 90 minutes
- Meet Individually with the Therapist
- More details are provided in Free Consultation
- 60 Minutes sessions: $160
- 90 Minutes sessions: $240
Couples Session/Family Therapy Session/Parent-Child Therapy/Parent-Adolescent Therapy
- Scheduled for 60 minutes
- Meet with the Therapist with family members present or focused on family unit
- More details are provided in free consultation
- 60 Minutes $170
Insurance Accepted
Aetna’s Including:
- Meritain
- Nippon
- Allied Benefit Systems
- GEHA – United Healthcare Shared Services (UHSS)
- Trustmark
- Trustmark Small Business Benefits
- Health Scope
- Christian Brothers Services
Optum including:
- UnitedHealthcare
- UnitedHealthcare Shared Services (UHSS)
- GEHA – UnitedHealthcare Shared Services (UHSS)
- UnitedHealthcare Global
- UnitedHealthcare Exchange Plans (ONEX)
- Oscar
- Harvard Pilgrim
- Oxford
- UHC Student Resources
- UMR
- All Savers (UHC)
- Health Plans Inc
- Surest (Formerly Bind)*
Cigna
Frequent Asked Questions
Mental Health Therapy is considered a Medical Expense
According to the Internal Revenue Service (IRS), mental health therapy expenses can be claimed as a medical expense on your taxes as long as it is to treat or prevent a mental health disorder. On the IRS website it states, “Medical expenses must be primarily to alleviate or prevent a physical or mental disability or illness. They don’t include expenses that are merely beneficial to general health.”
Q7: Is the cost of therapy a medical expense that can be paid or reimbursed by an HSA, FSA, Archer MSA, or HRA? (added March 17, 2023)
A7: Yes, if the therapy is treatment for a disease. For example, an amount paid for therapy to treat a diagnosed mental illness is a medical expense, but an amount paid for marital counseling is not.
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