Out-Of-Network Therapy
Can’t find a therapist in network with your insurance? At Talk. Heal. Thrive. we provide monthly superbills so you can access any out-of-network benefits.
Talk. Heal. Thrive. offers out-of-network (OON) therapy for insurance plans that we are not in network with, i.e., for insurance plans that we do not accept, or if a clinician does not accept insurance.
We also accept HSA cards that you can use for therapy payments if a clinician is not in network with your insurance.
What this means is, as a client you pay upfront for the therapy and then submit monthly superbills to your insurance for any OON benefits.
Please contact your insurance to learn about what your out-of-networks benefits are.
Out-Of-Network Rates for All Clinicians:
- 15-Minute Consultation: Free
- Clinical Hour Individual Therapy: $180
- Clinical Hour Couples Therapy: $180
- Clinical Hour EMDR Therapy: $180
Our Therapists Who Offer OON Therapy
Rachael Blair
MSW, LSWAIC
Mike Chang
MA, LMHCA
Marte White
MSW, LICSW
Nancy Kessler
MA, LMHC
Amelia Carroll
MS, CT, LMHC
Steve Stetter
MA, LMHC
Alyx Aiello
MS, LMHC
Lindsey Ferris
MS, LMFTA
Liz Berlanga
MS, LMHC
Laura Matthews
MA, LMHC
This means that you pay the full session fee for therapy. Then if your insurance has out-of-network coverage, you submit a monthly "superbill" to your insurance (you will get this monthly in your client portal). Your insurance will then reimburse you directly for any OON benefits.
We accept credit cards that are kept on file and billed at the start of each session. HSA cards can be used for payment, however, we do require a secondary credit card in case your HSA card is exhausted of funds.
Cancellations within 24 hours of the appointment will be charged the full session rate. If you need to cancel within 24 hours and can find another available appointment within the same week (Monday-Sunday), there will be no cancellation fee. appointment
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and 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, prescription drugs, equipment, and hospital fees.
Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. 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.
Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.