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YOUR PATH TO WELLNESS STARTS HERE

Navigating Therapy & Insurance 

UNDERSTANDING INSURANCE COVERAGE

At EverTrue Therapy & Wellness, we prioritize transparency and accessibility in our approach to mental health care. As an out-of-network provider for all insurance panels, we do not bill insurance directly. However, we are happy to provide a superbill upon request, which you can submit to your insurance company for potential reimbursement of out-of-pocket therapy expenses.  Many PPO insurance plans may offer reimbursement for therapy services obtained from out-of-network providers like us.  

For your convenience, a reimbursement calculator tool is available by clicking here. This tool helps estimate your out-of-pocket costs for therapy sessions based on your insurance coverage and reimbursement rates. 

Additionally, we've compiled a list of questions specifically designed to guide your discussion with your insurance provider regarding out-of-network benefits. For this comprehensive list, please refer to the FAQ section below, which includes questions like 'How do I verify my insurance coverage for therapy?'

INSURANCE FAQS

What is a superbill? 

A superbill is a document that contains detailed information about the services provided during a therapy session, including the date of the session, the type of service rendered, the diagnosis or treatment code, and the fee charged. It's typically provided by the therapist to the client upon request. Clients can then submit the superbill to their insurance company for reimbursement of out-of-pocket therapy expenses.

What is the difference between in-network and out-of-network coverage? 

Most insurance plans offer coverage for mental health services, but the specifics can vary. In-network providers are those contracted with your insurance company, while out-of-network providers are not. Understanding the difference can help you make informed decisions about your care.

How do I verify my insurance coverage for therapy? 

Contact your insurance company directly and ask about your mental health benefits, including coverage for therapy with out-of-network providers. Below is a list of questions to ask your insurance provider when inquiring about your out-of-network benefits.

  • Does my insurance plan cover therapy sessions, whether individual or couples? 

  • Is out-of-network mental health coverage included in my plan?

  • What is the reimbursement rate for out-of-network mental health services? 

  • Do I have a deductible for out-of-network mental health providers? If so, how much is it?

  • What is the maximum number of sessions covered per year for out-of-network providers?

  • What is the process for submitting a claim for out-of-network mental health services?

  • Are there any limitations or exclusions related to individual or couples therapy in the insurance policy?

  • How long does it typically take to process a reimbursement claim? 

How can I submit claims for reimbursement for out-of-network therapy services? 

To submit insurance claims for therapy sessions, please contact your insurance provider directly for their claims submission process. Additionally, you can utilize third-party services like Mentaya and Reimbursify. These platforms facilitate the claims submission process by providing services wherein they manage and submit claims on behalf of clients. While we recommend these services for your convenience, please note that EverTrue Therapy & Wellness is not responsible for their operations or affiliated with them. It's important to review each service's terms and conditions to ensure they align with your needs and preferences.

FINANCIAL ASSISTANCE OPTIONS

Sliding Scale 

We recognize that therapy costs can be a significant concern for many individuals. To improve access to therapy services, we set aside a select number of slots for sliding scale clients. Our sliding scale fees are tailored to your income and financial circumstances, making therapy more accessible to all.

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"Embrace the journey, for it leads to the discovery of your true self." 

- UNKNOWN

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