Insurance

With Therapy is considered an “out-of-network” provider for most PPO insurance plans, with the exception of TRICARE West. However, in order to make therapy more accessible and reduce out-of- pocket expenses, many insurance providers will reimburse some percentage of your expense through what’s known as a “superbill,” or a monthly invoice that documents the services you’ve received.

When and what percentage of reimbursement you receive is contingent upon your insurance plan and provider. To check on your individual coverage, contact your insurance provider. Then:

1. Inquire about what percentage of mental health care is covered for “out-of-network” or “non-participating psychological providers (e.g., clinical psychologists).”

2. Inquire about what the “maximum allowed amount” is per psychotherapy session (this is sometimes referred to as “reasonable and customary fees”) for a clinical psychologist in the 92101 zip code. Often, insurance companies use the codes (called CPT or procedure codes) 90791 for intake sessions, 90837 for individual therapy, or 90847 for couples and family sessions.

3. Inquire about whether or not you have a deductible for an out-of-network provider. Is so, inquire about how much this deductible is.

For all TRICARE West beneficiaries, please check with TRICARE West directly to determine costs associated with care or confirm if prior approval is needed.

We hope that this information will allow you to make an informed choice about your care while reducing your economic burden.

Sliding Scale

In order to make therapy more accessible, we offer services at a sliding scale based on need. If available slots are currently filled, you can request to be put on a waitlist when slots become available. Contact us today to find out more.