Therapy Insurance & Fees

Therapy Fees & Insurance

Our standard fee for AMFT/APCC’s is $200 for a 50-minute session and $275 for a 53-80 minute couple session. We currently accept CenCal Insurance, but are considered out-of-network for all other insurance plans. If your policy includes out-of-network benefits, you may be eligible for partial reimbursement by submitting a superbill to your insurance provider. The exact amount reimbursed depends on your individual plan.

How Insurance Works

In-Network Providers

Some therapists enter into contracts with insurance companies, agreeing to provide therapy at set rates. These are known as in-network providers, and insurance companies typically encourage clients to use them. Reimbursement rates for in-network therapists are generally lower than private practice fees - often between $55 and $80 per session, even though many therapists charge $150–$250 or more privately.

Out-of-Network Providers

As primarily out-of-network providers, we do not have a contract with most insurance companies. However, many plans still offer out-of-network benefits. These benefits vary, but you may receive either:

A flat reimbursement amount (e.g., $45 per session), or
A percentage of the session cost (e.g., 50% of $200 = $100)

In these cases, you pay the full session fee upfront and may submit a superbill to your insurance for potential reimbursement. Please note: not all plans offer out-of-network coverage, and some may reimburse nothing at all.

We are considered out-of-network for major insurance companies such as Anthem Blue Cross, Blue Shield, Aetna, Magellan, and others. We are in network with one major provider - CenCal.

Using a Superbill

If you’d like to seek reimbursement, we can provide you with a superbill, which is a detailed receipt that includes the necessary information for insurance submission. It is your responsibility to contact your provider to determine the correct submission process and reimbursement eligibility.

Please let us know at your first session if you’d like to receive superbills. We typically issue them monthly, but can provide them more frequently upon request.

Questions to Ask Your Insurance Provider

To help you understand your out-of-network benefits, consider asking your insurance company the following:

Do I have coverage for outpatient mental health services?
Are services from a Licensed Marriage and Family Therapist covered?
What is my deductible for out-of-network providers, and has it been met?
What portion of the session cost will be reimbursed?
How many sessions are covered each year?
Do I need a referral from my primary care doctor?
Is prior authorization required before beginning therapy?

Additional Notes

Insurance does not cover missed appointments or late cancellations. Sessions canceled with less than 24 hours’ notice will be charged the full fee.
If your insurer requires a written report to process your claim, we will inform you before writing it. Please note that additional fees apply for report writing.

Have Questions?

We are happy to walk you through how billing works and answer any insurance-related questions during our first session.

24-Hour Cancellation Policy

There is a fee for missed therapy appointments or for cancellations less than 24 hours before an appointment. We provide some flexibility in allowing one (1) late cancellation or missed appointment per year to account for an unexpected illness or emergency.
48-Hour Cancellation Policy

There is a fee for missed CenCal appointments or for cancellations less than 48 hours before an appointment.

Your Rights

Out of Network Services

Please note that we provide out-of-network services. You can still submit a claim to your insurance company for out-of-network benefits via a superbill.

You can also check directly with your insurance company to review the out-of-network schedule of benefits and whether a co-payment or deductible applies. Our services are under Mental Health or Behavioral Health Benefits.

Please call us if you have any questions regarding your specific insurance plans. If you are not submitting insurance, an invoice is provided at the end of your visit, and payment is due at that time. We accept all major credit cards.

Health Care Reform Act

Please note that due to Health Care Reform Act requirements, when you file an insurance claim, it may result in a “diagnosis” being attached to your medical record permanently. Additionally, insurance usually only reimburses for “mental health” diagnoses, such as depression, anxiety, or bipolar disorder. In addition, an insurance plan administrator may make a decision whether to make payments based on a maximum number of visits and if he/she determines the therapy is “necessary.” For these reasons, many clients prefer to not submit bills to their insurance for possible reimbursement.

No Suprises Act: Good Faith Estimate

Under Section 2799B-6 of the Public Health Service Act, out-of-network healthcare providers and healthcare facilities are required to inform individuals upon request or at the time of scheduling healthcare items and services for out-of-network services, a “Good Faith Estimate” of expected charges for the year.

You have the right to receive a “Good Faith Estimate” explaining how much your care could cost over the year.

Under the law, healthcare providers need to give patients who don’t have insurance or who are using out-of-network benefits an estimate of the bill for services.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests or office visits.You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.