Insurance & Fees
We believe that investing in your mental health is one of the most powerful investments a person can make. Still, it is important to make informed decisions about your care. To help make this decision easier, below are answers to commonly asked questions about Insurance & Fees with Healing Insight. Click below to schedule a complimentary, 15-minute call and learn more about our insurance-approved mental health services.
Frequently Asked Questions about Insurance & Fees
Do you accept my insurance?
Healing Insight LLC is currently an In-Network Provider for the following insurance companies:
- United Healthcare
- Oscar
- AvMed
- United Medical Resources (UMR)
- Oxford
- Cigna HMO & PPO
- Aetna
- Blue Cross Blue Shield (BCBS)
- Florida Blue
- Select Medicare Plans
- Loveland Foundation
Please note, different providers accept different insurance types
What is the cost for each session?
These are the self-pay rates for sessions.
- Intake Assessment (60 minutes) – New clients start here $150
- Individual session (50 minutes) $150
- EMDR session (50-60 minutes) $150 – $225
- Supervision for licensure (60 minutes) $100-$150
- EMDR Intensives (90 min to 3 Half day intensives) $225 – $2,499
Self-pay clients have the right to a “Good Faith Estimate” of costs for out of pocket services.
If you plan to use insurance for sessions, the actual price you pay (often called the client responsibility) ranges from $0 to the full self-pay fee for each sessions. It all depends on your specific coverage. We HIGHLY recommend contacting your insurance provider to confirm benefits in advance of your free consultation or your first session.
Do you have an Out-of-network insurance option?
If you have coverage with insurance company outside of ones we have a contract with and would like to receive services with us at Healing Insight Therapy and Wellness, we are able to provide the necessary paperwork to your insurance company so that they may reimburse you. This means you would pay the full self-pay rate for the service and your insurance company may reimburse their rate for the service to you based on your out of network benefits and insurance company’s policy. Please keep in mind that our fee and their rate may not be the same. We suggest you contact your insurance company prior to services to ask about their out-of-network reimbursement options.
What is a Good Faith Estimate?
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.
What questions should I ask my insurance company about my benefits?
Consider asking the following questions to your insurance company prior to our first appointment:
- Do you cover codes 90791 & 90837 for outpatient psychotherapy sessions without requiring prior authorization?
- Do you cover couples therapy?
- Do you cover therapy from Telehealth?
- What is my copay, coinsurance, and/or deductible?
- Do I have to meet my deductible before my mental health insurance benefits will apply?
- Is there a maximum number of sessions per year that are allowed?
- For out-of-network, what is the amount that you reimburse for the code 90837?