Rates & Insurance
Insurance
Insurance Providers Accepted at reTHINK Therapy
Commercial Insurance
Medicaid/Medicare Insurnace
We do not work with EAP’s.
At this time, we do not work with any Medicare Advantage plans and only accept straight Medicare.
Our Rates
PROMPT PAY RATES
We offer a prompt pay rate for clients who choose to pay privately, are uninsured, or are out-of-network. This discounted rate applies when payment is made at the time of service. If payment is not made at the time of service, our standard rates apply:
- $225 for initial sessions
- $200 for all subsequent sessions
Rates are based on a 45-60 minute session and vary by provider:
- $45 – Student Interns
- $115 – Associate Therapist ($125 if EMDR Trained)
- $135 – Licensed Therapist ($145 if EMDR Trained)
- $160 – Senior Therapist ($170 if EMDR Trained)
INSURANCE & BILLING
We accept the contracted rate for clients using the insurances listed below. If we are in-network with your insurance, you will be responsible for your copayment, co-insurance, or full contracted session rate, which varies by policy. Contact us for a benefits quote to better understand your coverage.
OUT-OF-NETWORK
For out-of-network insurance, the full prompt pay fee for the session is due up front. We do not bill out-of-network insurance but would be happy to provide you with a superbill that you can submit to your insurance for reimbursement.
SLIDING FEE SCALE DISCOUNT PROGRAM
At reTHINK Therapy, we believe cost should never be a barrier to quality mental health care. We offer a Sliding Fee Discount Program to clients who qualify based on household income and family size.
Services with our therapists are available on a sliding scale, based on your household income relative to the Federal Poverty Level:
- At or below 100% FPL: Household Income: Up to $15,060 for 1 person | $31,200 (family of 4) – Discount = 100%
- 101–125% FPL: Household Income: $15,060-$18,825 for 1 person | $31,201-$39,000 (family of 4) – Discount = 75%
- 126–175% FPL: Household Income: $18,826-$26,355 for 1 person | $39,001-$54,600 (family of 4) – Discount = 50%
- 176-200% FPL: Household Income: $26,356-$30,120 for 1 person | $54,601-$62,640 (family of 4) – Discount = 25%
- Above 200% FPL: Household Income: Above $30,120 for 1 person | $62,400 (family of 4) – Discount = None
To apply for our sliding fee program, ask our administrative staff for a Financial Assistance Application — they’re happy to assist. You can request a review at any time, at intake or during treatment. If your household size isn’t reflected above, contact us and we’ll calculate your discount based on your family size and income.
ADDITIONAL CHARGES
Weekend Sessions
reTHINK Therapy bills CPT code +99051 for sessions held on weekends or outside typical business hours. Some insurance plans cover this fee, while others do not. If your insurance does not cover it, we will automatically charge the card on file once your claim has been processed.
- If not covered by insurance, the maximum out-of-pocket charge is $10-$15 per weekend session.
Interactive Complexity Code
At times, therapy sessions involve additional complexities that require extra effort to ensure effective communication and care. The Interactive Complexity Code (CPT 90785) is an add-on billing code used when specific factors—such as communication barriers, involvement of third parties (like family members or guardians), or heightened emotional distress—make the session more complex.
This code is applied only when necessary and reflects the additional time and specialized skills required to navigate these challenges effectively. It does not increase the length of your session, but rather acknowledges the extra level of care involved.
Documentation Fees
Requests for documentation—including but not limited to letters, treatment summaries, and reports—require additional time outside of scheduled sessions.
- Starting fee: $30 per request
- Additional cost: $30 per 15 minutes required to complete the request
Please allow 7-14 business days for completion. Payment is required before the release of documentation.
Requesting Documentation
To request documentation, please complete this Initial Documentation Request form, and the Biller will contact you in 1 – 2 business days. Please note that the Biller is available Monday through Thursday. Any requests submitted after 3:00 PM on Thursday will be processed on Monday.House
FAQ's
What form of payment is accepted?
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.
If I have insurance, what will I need to pay at my session?
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.
What if insurance doesn't cover my session?
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.
Do all reTHINK therapists accept all insurance providers listed?
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.