Paying with Insurance
How to pay for your session with insurance
01
Make your appointment
02
Send us your insurance info
03
Pay your copay after the session
We accept insurance AND employee assistance plans (EAP)!
​If you have an HMO, PPO, EPO plan:
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1. Make your appointment using any of the following options:
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Submit a new client request form and get a call back within 1-2 business days from a scheduler
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Call or text us at (213) 531-0291 or (213) 255-5866
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Use our AI chatbot Leah
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Book the session via a therapist booking links or calendar
2. Make sure you provide us a picture of the front and back of your insurance card before your first appointment (you will have an opportunity when we confirm your appointment or if you complete a new client request form).
3. We take care of finding out what your copay is and filing the claims. Copay/coinsurance usually ranges from $0-$75, but on average about $20 each session.
4. If you have a copay/co-insurance, use our patient portal to pay your bill, after the session.
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If you are using an Employee Assistance Plan (EAP):
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1. Confirm that you have an EAP letter from United Healthcare or Cigna
2. Make your appointment using any of the following options:
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Submit a new client request form and get a call back within 1-2 business days from a scheduler
-
Call or text us at (213) 531-0291 or (213) 255-5866
-
Use our AI chatbot Leah
-
Book the session via a therapist booking links or calendar
3. Provide us a picture of the EAP Authorization Letter you got from your employer as well as your insurance card front and back (you will have an opportunity once we confirm your appointment).
4. That's it! There is no copay/coinsurance fee so your sessions are free
How to confirm insurance coverage
Common Insurance Terms Explained
Understanding insurance can be overwhelming, especially with all the technical terms. Here’s a simple guide to help you understand some of the most important and common terms you might encounter.
What is a Copay?
A copay is a fixed amount you pay for each service. If your plan includes a copay for mental health services, each therapy session will cost the same amount, regardless of the specific services provided.
Definition: The Current Procedural Terminology (CPT®) codes are a standardized language used by doctors and healthcare professionals to describe medical services and procedures. This helps ensure accuracy and efficiency in reporting.
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What is a Deductible?
A deductible is the amount you need to pay for healthcare services before your insurance starts to cover costs. You may have an individual deductible for yourself or a family deductible that applies to everyone on your plan. Deductibles usually reset every year or when you start a new plan.
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How it works: If your deductible is $1,500, you will pay the full cost of eligible healthcare expenses until you reach $1,500. After that, you share the costs with your insurance through coinsurance.
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What is Coinsurance?
Coinsurance is your share of the costs for healthcare services, usually expressed as a percentage. You start paying coinsurance after you have met your deductible.
How it works: Once you've paid your deductible, for example, $1,500, you will start sharing costs with your insurance. If your insurance covers 80% of a service, you will pay the remaining 20%. For instance, for a $100 therapy session, your insurance would pay $80, and you would pay $20.
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What is an Out-of-Pocket Maximum/Limit?
The out-of-pocket maximum is the most you will have to pay for covered services in a plan year. After you reach this limit, your insurance pays 100% of the costs for covered benefits.
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How it works: If your out-of-pocket limit is $7,500, once you've spent that much on services, your insurance will cover all additional costs for the rest of the year. This amount does not typically include your monthly premiums, costs for services not covered by your plan, or out-of-network services.
