How Does Insurance Work?

If you plan to use insurance, here are a few key terms that will help you understand what you may owe:

Premium — The amount you pay each month to have insurance coverage. This is separate from what you pay at appointments.

Deductible — The amount you must pay out of pocket each year before your insurance begins sharing costs. For example, if your deductible is $3,000 and you haven't met it yet, you will pay the full allowed amount for services until you reach that $3,000 threshold.  

Co-pay — A flat fee you pay at the time of your appointment (e.g., $30 per session), regardless of the total cost of the service. Not all plans have co-pays.

Co-insurance — Once your deductible is met, your insurance and you split the cost. For example, if your plan covers 70%, you pay the remaining 30%.

Out-of-Pocket Maximum — The most you will have to pay in a single year. Once you hit this limit, your insurance covers 100% of covered services for the rest of the year.

Allowed Amount — The rate your insurance has negotiated with providers. This may differ from our standard fee, and your responsibility is based on the allowed amount, not the full rate.

Our full rates can be viewed by clicking here !

We recommend calling the member services number on the back of your insurance card before your first appointment to ask about your mental health benefits, deductible status, and any co-pays or co-insurance that may apply.  Here is a step-by-step guide to find out what you will owe our-of-pocket.