Understanding Insurance: What You Need to Know

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 We know insurance can feel confusing (and sometimes overwhelming!). We’ve put together this guide to help answer some of the most common questions our clients have about using their insurance for mental health services. 

 Health insurance is a plan that helps cover the cost of your medical and mental health care. It doesn’t always pay for everything, but it can significantly reduce the amount you have to pay out of pocket. 

 A copay is a flat fee you pay each time you come in for an appointment. For example, your insurance might require a $20 copay per visit. 

 Your deductible is the amount you have to pay out of pocket before your insurance starts helping with costs. If you have a $1,000 deductible, you’ll pay the full cost of services until you’ve spent that amount—then your insurance begins to contribute. 

 Coinsurance is the percentage of the cost you pay after your deductible is met. For example, if your insurance covers 80%, your coinsurance would be 20%—meaning you pay 20% of each session and insurance pays the rest. 

 This is the maximum amount you’ll pay in a year for covered services. Once you hit this limit, your insurance pays 100% for the rest of the year (excluding non-covered services or late-cancel fees). 

• In-network providers have a contract with your insurance company, so your costs are usually lower.
• Out-of-network means we don’t have a contract with your plan, and you’ll likely pay more out of pocket—but you may be able to submit for reimbursement.

 A superbill is a detailed receipt that we can give you if we're out-of-network with your insurance. You can send this to your insurance company to request partial reimbursement for your sessions. 

 We are in-network with many major insurance plans, including:

• Blue Cross Blue Shield (BCBS)
• Ambetter
• Aetna
• Champ VA
• Banner University Family Care
• United Healthcare Community Plan
• AZ Complete

 Some of our providers are also contracted with:

• United Healthcare (commercial plans)
• UMR
• Tricare
• TriWest
• Medicare
• Cigna

 ❗ We are not currently contracted with Mercy Care, but we’re in the process of applying for a contract. 

 We also accept a few Employee Assistance Programs (EAPs) that are not listed here. If you’re unsure about your coverage, feel free to reach out! 

 We do our best to contract with as many insurance companies as possible, but not every insurance company allows every provider type to join their network. That means some of our clinicians can accept certain insurances, while others cannot. We'll always help match you with a clinician who works with your plan (or offer affordable self-pay options). 

 Unfortunately, insurance does not cover neurofeedback, even though it can be very helpful for issues like ADHD, OCD, anxiety, and trauma. We work hard to keep it affordable and accessible. 

 Yes! We are happy to provide you with a Good Faith Estimate as required under the No Surprises Act. 

 We wish we could—but we don’t have the staff capacity to research everyone’s insurance benefits before scheduling.
But don’t worry—it’s super easy for you to find out! Just call the number on the back of your insurance card and ask for your mental health benefits.The codes we bill are:

• 90791 – Intake (first appointment)
• 90837 – Most individual therapy sessions
• 90847 – Family or couples therapy
• 90853 – Group therapy

After you schedule with us, we’ll do our best to verify your benefits and give you an estimated cost—but please know insurance can sometimes give us incorrect info, and we may not know your exact cost until after your claim is processed.

 No. Insurance does not cover missed appointments or cancellations made with less than 24 hours’ notice.

Our late cancellation fee isn’t meant as a punishment—it’s to ensure our staff are compensated for their time, and to help us continue offering services to the community.

 Not at all! Many clients choose to pay out of pocket instead. We keep our private pay rates as low as we can, and we offer discounted rates for sessions with our interns, making therapy more accessible for everyone. 

 We’re happy to help! Just send us a message or give us a call, and we’ll do our best to walk you through the process.