Insurance. Navigating.

 Insurance & Billing

Therapy should be accessible. We’ll help you understand your benefits and make paying for care straightforward whether you’re using insurance, an HSA/FSA, or paying privately.

Plans We Accept (In‑Network)

We are currently in‑network with the following insurers:

  • Blue Cross Blue Shield (BCBS)

  • Aetna

  • Cigna / Evernorth

  • UnitedHealthcare

Coverage and costs vary by plan. Some plans require a referral or prior authorization. We’ll verify eligibility before your first appointment, but your insurer’s information is the most accurate and up‑to‑date.

Note: Being in‑network does not guarantee coverage. Copays, coinsurance, and deductibles are determined by your specific plan.

How Billing Works

  • Copay: A fixed amount you pay at each session.

  • Coinsurance: A percentage of the session fee you pay after your deductible is met.

  • Deductible: The amount you pay out of pocket each year before your plan starts to pay.

  • OOP Max: Once you hit this yearly maximum, covered services are generally paid at 100% for the rest of the plan year.

We will submit claims for in‑network plans on your behalf. You’ll receive statements for any patient responsibility after insurance processes the claim.

Out‑of‑Network (OON) & Superbills

If we are not in‑network with your plan:

  • You may still be able to use out‑of‑network benefits.

  • We can provide a superbill (an itemized receipt) for you to submit to your insurer for potential reimbursement.

  • Reimbursement is paid to you directly by your insurer based on your OON deductible and coinsurance.

Verifying Your Benefits (Quick Script)

When you call the number on your insurance card (Member Services):

  1. “Does my plan cover outpatient psychotherapy with CPT codes 90837 and 90834?”

  2. “Is Resilience Rising or my clinician in‑network?” We can give you the code when asking

  3. “Do I need pre‑authorization or a referral?”

  4. “What is my copay or coinsurance after the deductible?”

  5. “Does my deductible apply to outpatient psychotherapy?”

  6. “What is my deductible and out‑of‑pocket maximum, and how much have I met to date?”

  7. “Are telehealth sessions covered?”

Have your Member ID, DOB, and plan year handy. If you receive reference numbers, jot them down for your records.