Invest in Yourself
and Your Relationship

Before your first appointment, take time to review your insurance benefits. While we work to keep our information current, understanding what's included, what's excluded, and what you may owe out of pocket is ultimately your responsibility. We're happy to help verify your benefits as a courtesy, but knowing your plan is the best way to avoid surprises.

To bill insurance for therapy services, your provider must document a psychiatric diagnosis based on your symptom severity. This is a requirement without exception. Even if a previous therapist never discussed a diagnosis with you, one may have been filed with your insurance without your knowledge.

If you have previously used your insurance for mental health treatment, a diagnosis was almost certainly recorded on your behalf. Keep this in mind when considering insurance for future care.

We are glad to submit claims for covered psychiatric conditions. However, some diagnoses, including certain sexual health disorders, may not be reimbursable under your specific plan. Meeting the clinical criteria for a diagnosis does not guarantee that your insurer will pay.

Any charges your insurance does not cover are your financial responsibility. Understanding your plan's limitations before starting treatment allows you to budget with confidence.

Insurance is designed to treat medical conditions based on symptom severity, not to improve relationships. We do not accept insurance for couples counseling, marriage therapy, or any service where the goal is improving communication, addressing infidelity, or reducing relationship distress.

Couples counseling treats the relationship itself, not a specific individual. When a therapist bills insurance, the claim must be tied to one person's psychiatric diagnosis, which shifts the treatment agenda away from the relationship and onto an individual's symptoms. Our work centers on the relationship, and that's where our advocacy stays.

Struggling in a relationship is not evidence of impairment; it's often a natural result of two people navigating something neither has fully learned. It takes two to tango, and when either person has never tangoed, the dance can look like a mess. That's not a diagnosis; it's context.

It required framing your relationship's challenges as a psychiatric condition in one partner. We don't do that. We advocate for your relationship.

Not every provider at our practice participates in every insurance plan. Before your first appointment, please confirm that your specific therapist is in-network with your plan; you can verify this through your insurer's online provider directory or by calling the number on the back of your card.

We are happy to verify your benefits and submit claims on your behalf as a courtesy. Even so, you remain solely responsible for knowing your coverage and any limitations that apply.

Accepted insurance plans vary by provider. See the individual provider fee sections above for specific in-network plans.

If your insurance plan isn't listed for your preferred therapist, you may still be eligible for out-of-network reimbursement. We can submit claims on your behalf, which may count toward your deductible or result in direct reimbursement from your insurer.

Before your first session, call the member services number on the back of your card and ask the following:

1. What is the representative's name and extension number?
2. Are services from an out-of-network provider covered under my plan?
3. My therapist can provide a Superbill listing session dates, CPT codes, and diagnosis. Is this accepted?
4. Does my plan cover Individual Psychotherapy (CPT code 90834)? Note: most plans do not cover couples or marriage counseling.
5. Which mental health diagnoses are not reimbursable?
6. How many sessions are covered per year?
7. What is the lifetime maximum for mental health benefits?
8. What is my out-of-network deductible?
9. What is the allowed amount for the fee?
10. What percentage of the allowed amount will be reimbursed?
11. How do I submit a claim?

Insurers calculate out-of-network reimbursement in one of two ways, and understanding the difference matters when budgeting for care.

Your insurer reimburses a percentage of what you actually paid. For example, if your session costs $200 and your plan reimburses 80%, you receive $160.

Your insurer substitutes your actual fee with their own approved rate. If you paid $200 but your plan's allowed amount is $100, you'd receive 80% of $100, which is $80, not $160.

Insurers are not always forthcoming about which method applies or what the allowed amount is. You are entitled to ask, and if you're not getting a clear answer, request a supervisor and explain that you need the figure to plan your medical expenses.