Insurance & Payment

Mental Health Care
Should Be Accessible.

We work with most major insurance plans and handle the verification process for you. Our goal is to make the financial path to care as clear and stress-free as the clinical path.

Mental Health Parity Act

“Federal law requires most insurance plans to cover mental health treatment at the same level as medical care.“

MENTAL HEALTH PARITY AND ADDICTION EQUITY ACT (MHPAEA)

Insurance Accepted

We Work With Most Major Plans

Federal Mental Health Parity law requires most insurance plans to cover mental health treatment at the same level as medical care. We help you access the benefits you are entitled to.

What Insurance Typically Covers

Coverage by Level of Care

Most major insurance plans cover all four levels of care — subject to medical necessity criteria that our clinical team documents and advocates for on your behalf.

Outpatient Therapy

Typically covered as a standard mental health benefit. Copays similar to a regular doctor visit. Most plans cover 20–52 sessions per year.

IOP / vIOP

Covered under mental health intensive outpatient benefits. Medical necessity documentation required. Pre-authorization often needed.

PHP

Covered under partial hospitalization benefits. Higher intensity means more documentation and ongoing medical necessity reviews.

Residential (RTC)

Covered under inpatient or residential mental health benefits. Pre-authorization required. Our team handles all documentation.

Out-of-Pocket Costs

Understanding Your Financial Responsibility

Your out-of-pocket costs depend on your specific insurance plan — your deductible, copay, coinsurance, and out-of-pocket maximum all factor in. We explain this in plain language before you begin.

Deductible

The amount you pay before insurance begins covering costs

Copay

A fixed amount per session or day of treatment

Coinsurance

Your percentage after the deductible is met

Out-of-pocket maximum

The most you will pay in a plan year

In-network vs out-of-network

Significant cost difference; we verify this

Verify your benefits

Know what your plan covers before care begins

Coverage & Cost Support

Financial Assistance Options

Getting care should feel clear, not confusing. Our team helps you understand available payment options, verify your benefits at no cost, and advocate for coverage so you can make informed decisions before starting treatment.

HSA / FSA Funds

Most mental health services qualify for HSA and FSA payment

Payment Plans

Flexible payment arrangements available for out-of-pocket costs

Sliding Scale

Ask our team about sliding scale options for uninsured clients

Parity Advocacy

We advocate for your benefits when insurers deny or limit coverage

Free Verification

We verify all benefits at no cost before you commit to any program

Verify Insurance

Know Your Coverage Before You Begin.

Our team handles insurance verification so you can focus on what matters — getting the care you need.

Free | Confidential | No obligation