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Beginning therapy is both a psychological and financial commitment. It is also an investment in long-term stability, relational health, and clarity.

Financial transparency protects the therapeutic frame. Below you will find clear information about fees, reimbursement, and how to navigate out-of-network benefits.

Session Fees

Individual Therapy
$200 per 50-minute session

Couples Therapy
$220 per 50-minute session

A limited number of sliding scale appointments are available for individuals experiencing financial constraints. Sliding scale sessions begin at $150 and are offered on a first-come, first-served basis.

Why This Practice Is Not Insurance-Panelled

Rule Out Therapy operates as an out-of-network practice.

Insurance panel reimbursement rates are typically significantly lower than private rates. These reduced rates often require higher caseloads, shorter sessions, or simplified treatment models in order for therapists to remain financially viable. Panel participation can also require mandatory diagnoses early in treatment and limit clinical flexibility.

Operating outside of insurance panels allows:

• Depth-oriented work without session quotas
• Diagnostic nuance before labeling
• Reduced administrative burden
• Sustainable compensation for the clinician
• Greater confidentiality regarding diagnoses

Clients may still receive reimbursement through their out-of-network benefits.

How Out-of-Network Reimbursement Works

You pay the session fee at the time of service.

Upon request, you receive a superbill — a detailed receipt containing the information your insurance company requires to process reimbursement.

You submit that superbill to your insurance provider.

If your plan includes out-of-network mental health benefits, insurance reimburses you directly for a percentage of the session fee, depending on your deductible and coverage.

Step 1: Verify Your Out-of-Network Benefits

Call the member services number on the back of your insurance card.

You can say:

“I am seeking outpatient psychotherapy with an out-of-network licensed clinical social worker. I would like to verify my out-of-network mental health benefits.”

Ask specifically:

• Do I have out-of-network mental health benefits?
• What is my out-of-network deductible?
• How much of that deductible has been met?
• After my deductible, what percentage is reimbursed?
• Is there a session limit?
• Is pre-authorization required?
• How do I submit a superbill for reimbursement?
• How long does reimbursement typically take?

Write down the answers.

If needed, ask to speak directly with someone in behavioral health benefits.

What Is a Superbill?

A superbill is not a bill you pay again.

It is a detailed receipt that includes:

• Provider name and license number
• Tax ID number
• CPT code
 – 90837 (individual therapy)
 – 90847 (couples therapy)
• Diagnosis code (required for insurance processing)
• Dates of service
• Amount paid

You submit this document to your insurance provider for reimbursement.

Couples Therapy & Insurance

Insurance companies reimburse for medically necessary treatment tied to an individual diagnosis.

For couples therapy, one partner’s insurance policy must be used for reimbursement. That individual becomes the “identified patient” for insurance purposes.

We recommend selecting the partner with:

• The strongest out-of-network benefits
• The lowest deductible
• The highest reimbursement percentage

When calling insurance, you can say:

“My partner and I are seeking couples therapy. We understand that one individual must be the identified patient for reimbursement. What are my out-of-network benefits for CPT code 90847?”

Insurance reimbursement will be tied to the identified individual’s policy and diagnosis.

Couples therapy reimbursement varies significantly by plan, and some plans do not reimburse couples therapy at all. Confirm this before beginning if reimbursement is important to you.

Submitting Superbills Yourself (No Cost)

Submitting superbills directly to your insurance provider is free.

Typical process:

1. Log into your insurance portal.

2. Navigate to “Submit Out-of-Network Claim.”

3. Upload the superbill.

4. Or mail the form with the superbill attached.

Reimbursement is typically processed within 2–6 weeks and sent directly to you.

Many clients find this process straightforward after the first submission.

Optional: Mentaya

We partner with Mentaya, a third-party service that helps streamline out-of-network reimbursement.

Mentaya can:

• Verify your benefits
• Submit claims on your behalf
• Follow up on denials
• Track reimbursement

Mentaya charges a fee (currently 5% per claim) for this service.

This option may be helpful if you:

• Feel overwhelmed by insurance paperwork
• Have previously experienced claim denials
• Prefer not to communicate with insurance providers

However, it is important to know that submitting superbills independently is free and often manageable.

You may check eligibility here:
https://mentaya.co/checkbenefits/FwFegL9Dkbn8TzlwrjxP

Financial Clarity

Out-of-network reimbursement varies widely. Depending on your deductible and plan, you may receive partial reimbursement rather than full coverage.

We encourage clients to:

• Verify benefits before beginning treatment
• Calculate estimated out-of-pocket costs
• Discuss financial concerns during the consultation

Therapy works best when the financial arrangement is clear and sustainable.