Everyone deserves great care.
Insurance & Fees
I believe specialized mental health care should be as accessible as possible. That's why I participate with several major insurance plans while also offering options for clients who choose to use out-of-network benefits.
Because insurance participation changes over time, I encourage you to reach out before scheduling if you have questions about your specific plan. I'm happy to help you determine whether I'm in network and what your benefits may include.
In-Network Insurance
I am currently in network with:
Aetna (including Meritain and First Health)
Cigna (including Evernorth and Oscar)
Harvard Pilgrim
Optum Behavioral Health (including UnitedHealthcare, ConnectiCare, and Oxford)
If your insurance plan isn't listed, you may still have out-of-network benefits that can significantly reduce your out-of-pocket costs.
Out-of-Network Benefits
Many insurance plans reimburse a portion of therapy costs for out-of-network providers.
To make this process easier, I've partnered with Mentaya, a service that helps clients submit claims and receive reimbursement for eligible out-of-network services. If you qualify, Mentaya handles the paperwork directly with your insurance company, making reimbursement much simpler.
You can check your out-of-network benefits before your first appointment to better understand your expected costs.
Employee Assistance Programs (EAPs)
Although I participate with several commercial insurance plans, I do not participate in Employee Assistance Program (EAP) contracts.
This decision allows me to maintain the quality and sustainability of my practice while also protecting client privacy. Some EAP programs require additional reporting and communication that may involve sharing more information than I believe is necessary for quality clinical care.
If your employer offers an EAP, you're welcome to contact me to discuss whether transitioning to your regular behavioral health insurance benefits would allow us to work together.
Questions About Insurance?
Insurance can be confusing, and I'm happy to help you navigate it.
If you have questions about coverage, benefits, or payment options before scheduling, please don't hesitate to reach out. I'll do my best to help you understand your options so you can make an informed decision about beginning therapy.
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Our practice manager Amie is here to help you process claims and handle any insurance issues and questions. You can contact Amie at billing@growingwellcounseling.com
Understanding Your Mental Health Insurance Coverage
Some individuals prefer to maintain their privacy, keep insurance out of the picture entirely, and opt to self-pay rather than bill their insurance, this is your choice. Some employers require a waiver of privacy and can request all mental health records, those affiliated with your healthcare insurance would be required. You may prefer self-pay if you have concerns about your care impacting current or future employment (most commonly with military, law enforcement, and security clearances).
Please be aware that most insurance companies require you to authorize providers to provide them with a clinical diagnosis. Sometimes we have to provide additional clinical information which will become part of the insurance company files. It is our personal policy that your therapy notes are not released to insurers unless you request that we do so for a specific reason. By signing this Agreement, you consent to our providing requested information to your carrier if you plan to pay with insurance.
You are responsible for payment at the time of your session unless prior arrangements have been made. Payment can be made by check, cash, credit/debit card, or with a prescription from your referring provider, your Healthcare Flexible Spending Account. *In signing this consent and policies you hereby authorize Growing Well, LLC to charge a saved credit card on file for any outstanding balances for copays, coinsurances, services not covered by insurance and/or cancellation/no show fees. You may revoke this consent in writing at any time however you may be required to pre-pay for sessions as determined by Growing Well, LLC. If you refuse to pay your debt, we reserve the right to use an attorney or collection agency to secure payment. Please make all checks payable to Growing Well, LLC. Any checks returned to our office are subject to an additional fee of up to $40.00 to cover the bank fee that we may incur.
Please keep in mind that professional fees include not only our time together, but also therapist time documenting our work, preparing for sessions, and communicating with your health insurance and other providers. Typically, Fees are non-negotiable. To receive sliding scale fees, you must present proof of income through recent pay stubs or tax forms. Fees are the same for all clients but subject to change at counselor’s discretion. We will not raise fees more than once per year and will provide all clients at least 30 days’ notice.
If you are using your health insurance for payment, you may wish to contact your insurer prior to our first session to confirm your Behavioral Health Benefits so you are aware of what your specific plan may cover. Again, you are responsible for any co-pays at the time of service. You are also responsible for knowing your coverage and for letting us know if/when your coverage changes. In addition, some insurance companies also have a deductible, which is an out-of-pocket amount that must be paid by the patient before the insurance companies are willing to begin paying any amount for services, we will discuss this once we have reviewed your specific plan coverage.
If you are interested in seeing a therapist who is not formally contracted with your health insurance plan and prefer to submit to your insurance for reimbursement on your own, you can also contact the insurer directly. Plans vary significantly so there isn’t one specific answer, these questions can help both you and our team understand what you can expect financially.
When a therapist is out of network for your plan at Growing Well Counseling, you pay the full fee ($250.00 for in intake/evaluation and $200 per visit thereafter), then we can process through Mentaya, or provide you a SuperBill if you prefer to submit on your own. Your insurance may reimburse part or all of your amount paid. We strongly recommend you contact your insurer or use the benefits checker first so you don’t get any surprises a few sessions into therapy.
Look on the back of your insurance card for Behavioral Health or Member Services.
What do I ask my insurance?
What is my coverage for outpatient mental health services?
Am I covered out of network? At what percent?
What is my yearly deductible, and has it been met yet? When does it reset?
What is the reimbursement rate for an out-of-network mental health provider for treatment codes 90791 (Initial Evaluation) and 90837 (55 to 60-min psychotherapy)
Is prior authorization required?
How many therapy sessions are covered per calendar year?
Are there any limits to my coverage?
We also recommend you have a notepad ready when you call. In addition to the answers to these questions, document the name of the person you spoke to and ask for a reference number for the call, ensuring that your communication with the insurance company is documented on their end as well.
Sometimes insurance companies will advise consumers that a provider can submit a “single case agreement” which is like a mini-contract- our therapists cannot complete single-case agreements for out of network insurances- these often require extensive phone reviews and excessive disclosure of your private information to reviewers.
Bringing this information to therapy will allow us to help you streamline the payment process as much as possible.
Fee Schedule [with billing codes should you contact your insurer with coverage questions]
Code | Service
90791 Initial Intake [Diagnostic Evaluation] 54-60 min $220
90837 Individual Therapy w or w/o family present, 53-60 min $200
90834 Individual Therapy 38-52 Min $175
90853 Group Therapy 90 min $80