When you attend a session with your therapist, you take a positive step towards improving your mental health and overall well-being. Understanding the payment structure for each session is essential so you can maximize the benefits of your therapy and make the most of your investment. 

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Two key terms determine your payment amount:

• Deductible - The amount of money you must pay for medical expenses annually before your insurance coverage starts.

• Copay - The fixed amount you pay every time you visit your therapist.​

 

When you see a therapist in-network with your insurance plan, you pay them a copay for each session. Then, your therapist sends a claim to the insurance company to receive the remainder of the fee they're owed.

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Example:

 

The therapist's session fee is $150. You pay your therapist a $20 copay at each session, and your therapist gets paid the remainder of the session fee ($130) by the insurance company.

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This payment structure is designed to ensure you can receive the care you need from your therapist without being financially burdened. By paying only a small copay at each session, you can access high-quality mental health care that can be life-changing. Your therapist, in turn, can receive fair compensation for their services, allowing them to continue providing adequate mental health care to you and others.

 

By working with your insurance company and your therapist, you're taking a proactive step toward improving your mental health and overall well-being.