Rates & Insurance

At reTHINK Therapy, we want paying for your sessions to be as simple and convenient as possible. We accept cash, personal checks, debit cards, credit cards, Health Savings Account (HSA) cards, and Flexible Spending Account (FSA) cards.

HSA and FSA funds can typically be used to cover eligible mental health services, including therapy appointments, allowing you to pay for treatment using pre-tax dollars.

For clients using commercial insurance or paying privately, we require a valid credit or debit card to be kept on file at all times. Payments are processed first thing in the morning on the day of your appointment, including applicable copays, coinsurance, or self-pay session fees. This allows us to take care of payment ahead of time so you can focus on your session.

If you have questions about your payment options, insurance benefits, or estimated out-of-pocket costs, our team is happy to help you understand what to expect before your appointment.

Every insurance plan is different, and your out-of-pocket cost will depend on your specific benefits. Some plans require a flat copay for each therapy session, while others require you to pay a percentage of the cost (coinsurance). If your plan has a deductible that hasn’t been met, you may be responsible for the full contracted rate of your session until you’ve met that deductible. Some plans even cover therapy with no out-of-pocket cost!

At reTHINK Therapy, we want you to understand what therapy will cost before you get started. Our team will verify your insurance benefits and provide you with an estimated cost breakdown based on your plan. This includes information about your copay, coinsurance, deductible, and any other applicable costs.

For clients with commercial insurance, we require a valid credit or debit card to remain on file. Your estimated session payment is typically processed first thing in the morning on the day of your appointment, so there’s no need to worry about making a payment when you arrive.

Keep in mind that insurance benefit quotes are estimates, not guarantees of payment. Your insurance company ultimately determines your financial responsibility when your claim is processed. If there’s a difference between your estimated payment and the amount determined by your insurance, your account may be adjusted accordingly.

If you have questions about your coverage or notice something unexpected on your bill, our team is happy to help you understand your benefits and charges.

At reTHINK Therapy, we submit claims to your insurance company after each appointment. While we verify your benefits before you begin treatment, insurance companies make the final determination about coverage when they process your claim.

Occasionally, claims may be denied for reasons such as unmet coverage requirements, changes in eligibility, incorrect insurance information, or services that aren’t covered under your specific plan.

If your insurance denies a claim, our billing team will review the reason for the denial and determine whether it can be corrected and resubmitted. If the claim cannot be resolved, we’ll notify you as soon as possible and explain any remaining balance.

You are responsible for charges that your insurance does not cover, subject to your plan’s benefits and applicable insurance requirements. We understand that unexpected expenses can be frustrating, so our team is available to help you understand your bill and answer questions about your coverage.

We also encourage clients to notify us whenever their insurance changes to help prevent unexpected billing issues.

Not all therapists at reTHINK Therapy accept the same insurance plans. Insurance participation varies depending on each therapist’s credentials, licensure level, and individual contracts with insurance providers.

For example, some insurance companies do not cover services provided by pre-licensed therapists, while others may have specific requirements for which providers are eligible to participate in their network.

When you contact reTHINK Therapy, our intake team will help you find a therapist who is both a good fit for your needs and accepts your insurance. If you have a specific therapist in mind, we’ll verify whether they’re in-network with your plan before scheduling your appointment.

Our goal is to make finding the right therapist as straightforward as possible, so you can focus on getting the support you need

Coordination of benefits (COB) is how insurance companies decide which plan pays first when someone may be covered by more than one plan. For example, you might have coverage through your job and also through a spouse’s job.

The plan that pays first is called primary, and the other is secondary. For children covered by both parents’ plans, most insurers use the “birthday rule”: the plan of the parent whose birthday comes first in the calendar year is usually primary.

Insurance companies regularly ask members to confirm whether they have other coverage, often once a year. This applies even if you only have one plan.

A COB denial usually means your insurance company needs you to confirm or update your other-coverage information before it will pay. It doesn’t necessarily mean your therapy isn’t covered.

Here’s how to fix it:

1. Call the member services number on the back of your insurance card, or log in to your insurance’s online portal.
2. Update your coordination of benefits. Tell them whether you have any other insurance (or confirm you don’t). This often takes just a few minutes.
3. Let our biller know once it’s updated so we can resubmit your claim.

Why this matters for your sessions:
We’re not able to continue sessions when we can’t bill your insurance. If more than one of your sessions can’t be billed because of a COB issue, we reserve the right to cancel upcoming sessions until your COB is updated.

We do our best to give 48 hours’ notice before your next appointment, so you have time to update your COB and keep your session on the calendar.

Questions? Our billing team is happy to walk you through it.

This is usually a balance left over after your insurance processed your claim. Insurance companies can take days or weeks to process a session, and once they do, we charge the card on file for any amount they’ve determined you owe.

These small charges most often come from:

• Add-on codes, like the interactive complexity code (see the next question) or the weekend/after-hours code (CPT 99051) for sessions outside regular business hours.
• Adjustments to your copay, coinsurance or deductible once your insurance finalizes its payment.

If a charge doesn’t look right, reach out to our biller. We’re happy to walk through it with you.