Yes! We accept Aetna, Blue Cross Blue Shield from all states, and Cigna.

You can learn about the mental health services your insurance covers by checking out your plan’s benefits, or the Summary of Benefits and Coverage (SBC). Your insurance provider may have mailed you a copy of your SBC when you first enrolled, but if you’ve lost it, you can find a digital version on their website. The SBC will outline the information you need to know about how much you have to pay for your plan and the cost of any services.

Some important health insurance terms related to your benefits that you should know are:

Premium: Your premium is the amount you pay every month to keep your insurance. If your insurance is through your employer, they may cover some of the cost. If you have an individual private plan, you’re required to pay the whole premium. In some cases, depending on your income, you may qualify for tax credits to make your premium cost lower.

Deductible: The deductible refers to how much money you have to pay before insurance kicks in. Once you meet the deductible, your insurance starts paying for services covered by your policy — including mental health services. Note: your deductible resets at the beginning of each plan year which often but not always coincides with January 1st.

Copayments: Copayments, or copays, refer to set prices you have to pay for different types of services. These will be your costs after you meet your deductible. You’ll likely have different copay amounts for primary care, specialists, and mental health services.

Coinsurance: Coinsurance is when your insurance covers a percentage of the cost of a service. Rather than a set copay across the board, your insurance might cover 80% of the cost of the visit, for example. Like copays, this will typically only be the case after you’ve met your deductible.

Out-of-pocket costs: The out-of-pocket limit is the maximum amount of money you can spend within your coverage period. For example, if your limit is $8,000 and you spend this much on services throughout the year, your insurance will cover 100% of the costs after that.

In-Network vs. Out-of-Network: In-network refers to healthcare providers that have contractually agreed to work with an insurance company to offer patients discounted rates. Whereas out-of-network healthcare facilities don’t have a contract with an insurance provider and therefore won’t offer you a discounted rate, so you’ll have to pay the full costs for any services you require.

Once you’re familiar with these terms, take a look at your benefits and find where it mentions mental health benefits. Here, your plan information will tell you how much your copayment or coinsurance is for mental health services. Don’t forget to take note of your deductible first if your mental health benefits are subject to it and work out how much you’ve already spent. Then you’ll know whether you will just pay your copay amount right off the bat, or more. You may also want to call up your insurance company to make sure that you’re clear on exactly what your plan covers and how much you’ll need to pay out of pocket. Checking with an insurance customer service agent will ensure that the policy information you have is accurate and up to date. Plus, they can answer any questions you have about the information printed on your health insurance card.

What specific mental health services are covered by my plan?

What is the copay or coinsurance for therapy?

What’s my deductible, and how much of it have I already spent?

Is reimbursement possible for healthcare providers outside the network?

It depends! Cash pay clients will pay $150 for the intake, $120 per session, and $140 per family/couple session. Some clients using insurance pay as little as $0-$20 per session. If you have a deductible to meet, the session cost will likely be higher. Check your specific benefits to get a better idea of your coverage. Please contact your insurance provider to learn about your copay or deductible, as it is your responsibility to be aware of your benefits. We will charge the card on file once the claim has processed.

For your convenience, Urban and Sage Therapy offers optional reminder texts to notify you of your appointments. If you do not arrive for your scheduled therapy appointment, and/or you have not notified your therapist or our office at least 48 hours in advance to cancel/reschedule your appointment, you will be required to pay the Late Cancel/No Show fee of $100. Insurance does not cover late cancellations or no show appointments.

No, we do not give recommendations or write letters in support of Emotional Support Animals. We will encourage you to follow up with your PCP for this type of documentation.

No, we do not give recommendations regarding ability to work or complete any disability documentation. We will encourage you to follow up with your PCP for this type of documentation.

We are mandated to release records to the court or testify if subpoenaed, however we do not offer court mandated treatment.