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 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

Mike change disability equality and psychodynamic therapist

Mike Chang

marte white online couples and individual therapist

Marte White

Nancy Kessler Trauma informed Eco Climate therapist seattle bellevue washington

Nancy Kessler

Amelia Carroll Grief specialist therapist

Amelia Carroll

Steve Stetter Licensed Counselor near me

Steve Stetter

Alyx Aiello, MS, LMHC online counselor in washington state

Alyx Aiello

Lindsey Ferris Online therapist washington State

Lindsey Ferris

lissette berlanga therapist seattle

Liz Berlanga

Laura Matthews, MS, LMHC - online counselor washington state

Laura Matthews

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.