Out of Network Insurance OON

out of network insurance billing therapy

Talk. Heal. Thrive. offers out-of-network (OON) therapy for insurance plans that we are not in network with, i.e., for insurance plans other than Aetna, Cigna, and United, or clinicians that are out-of-network only. As a client you pay upfront for the therapy and then submit monthly superbills to your insurance for any OON benefits.

To view what your OON coverage may be, use the calculator below. 

Out-Of-Network Rates:

  • 15-Minute Consultation: Free
  • Clinical Hour Individual Therapy: $160
  • Clinical Hour Couples Therapy: $175
  • Clinical Hour EMDR Therapy: $175

Out-Of-Network Estimated Benefits Calculator

With this calculator below, you can see if you have out-of-network coverage and the estimated reimbursement once your deductible is met. 

Our Therapists Who Offer OON Therapy

Lindsey Ferris Online therapist washington State

Lindsey Ferris

Laura Mathews online counselor in Washington

Laura Matthews

marte white online couples and individual therapist

Marte White

Alyx Aiello, MS, LMHC online counselor in washington state

Alyx Aiello
currently waitlisted

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.