Most commercial insurances are accepted and they include Aetna, Allied Health, Anthem, Cigna, Luminare (Trustmark), Medical Mutual, Meritain Health, OhioHealthy, Ohio Connect, Optum, Tricare East, and United Health care, United Behavioral Health and United Medical Resources.

It is the client’s responsibility to contact their insurance company prior to their first session to verify their coverage and benefits.

It is the client’s responsibility to contact their insurance company prior to their first session to verify their benefits and coverage.

As of January 1, 2022, state-licensed or certified health care providers must provide a Good Faith Estimate (GFE) of healthcare charges to every new and continuing client who is either uninsured or is not planning to submit a claim to their insurance for the healthcare services they seek.

Any client who is uninsured—or who is insured but does not plan to use their insurance benefits to pay for the health care services has a right to receive a GFE.

It details anticipated costs for services like intake, therapy sessions, and assessments, protecting clients from surprise bills by providing a clear, itemized estimate of expected charges before care begins. Therapists must provide it within specific timeframes, detailing fees, codes (like CPT), and provider info, and can revise it if treatment changes, with a dispute process available if billed costs exceed the estimate significantly.

A Deductible is a set amount you must pay for covered services before your insurance plan starts to pay. Deductibles reset every year. Check your plan to find out your deductible.

A Coinsurance is your share of the cost (a percentage) for a covered service after you've met your deductible. Check your plan for details.

A Copayment (copay) is a fixed dollar amount you pay at the time of service (e.g., $25 for a doctor's visit), often for specific services, and may apply before or after your deductible. Check your plan for details.

An Out of Pocket Maximum (OOPM) is the most money you'll have to spend on covered healthcare in a plan year, including your deductible, coinsurance, and copays.

If you do not have insurance or want to use your insurance, you can choose to do self-pay.

Forms of payment include:

• Credit Card

• Flex Spending Accounts (FSA)

• Health Spending Account (HSA)

All clients are required to have a credit card on file for mental health therapy services. If you choose to upload an HSA or FSA card, a credit card must also be kept on file to cover any charges not paid by insurance or not eligible under HSA/FSA rules, including late cancellation and no-show fees.

Clients are responsible for contacting their insurance company before their first appointment to verify benefits. Call the Member Services number on the back of your insurance card to confirm therapist network status, covered and non-covered services, authorization requirements, and your cost-sharing details (deductibles, co-insurance, and/or co-pays).

The call typically takes 20–30 minutes. Please take notes, including the representative’s name and call date, and be prepared to provide the client’s name, date of birth, the insured member ID, and the therapist’s name and address.