Insurance · Benefits · Self-pay
Insurance should not make care feel impossible.
In-network with major national plans. Here's what gets verified, what needs prior authorization, and what self-pay actually costs.
Plans we work with
- and many more
Plan participation can vary by provider, state, visit type, and payer updates. Coverage is not guaranteed until benefits are verified.
How verification works
1
Book or request care
Online or by phone. Either works.
2
Send your plan details
Card info and date of birth are enough to start.
3
Benefits get verified
Copays, deductibles, network status, telehealth eligibility, and authorization rules get checked against your plan.
4
Start with a plan
You'll know where coverage stands, and what self-pay looks like if a service isn't covered.
Self-pay
$175 a session without insurance.
Self-pay is $175 for initial and follow-up sessions, with a sliding scale available if cost is a barrier. Ask about the sliding scale when you book. Nobody here finds that question awkward.
Payments run through PayPal and the patient portal. For treatment courses like TMS and Spravato, costs depend on the treatment plan, so real numbers get discussed at the consultation after benefits are checked.
Coverage by service
Mental health & medication management
Typically covered when medically necessary.
TMS & Spravato
Usually require prior authorization and documentation of medical necessity.
Primary care & sick visits
Depends on your plan and network rules.
Weight loss & GLP-1
Coverage varies widely by plan. Expect this one to need a real benefits check.
Decoding the card
Four terms that decide what you pay.
In-network
Your plan has a contract with the practice, so you pay the negotiated rates. Out-of-network means no contract, and your share is usually larger.
Copay
The flat amount you pay at a visit, set by your plan. Verification tells you this number before you're surprised by it.
Deductible
The amount you pay out of pocket each year before your plan starts sharing costs. Early in the year, this is usually the number that matters most.
Prior authorization
Your plan's advance sign-off for certain treatments, TMS and Spravato most commonly here. It takes documentation and some patience, and it happens before treatment starts.
Common questions
What does a visit cost without insurance?
Self-pay is $175 for initial and follow-up sessions, with a sliding scale available. TMS and Spravato course costs are separate and get discussed at consultation.
Why verify benefits before treatment?
Because a plan brochure and your actual benefits can disagree. Plans differ by employer, state, visit type, and year. Verification replaces guessing with your plan's actual numbers.
What if you're out-of-network for my plan?
You can still be seen. Self-pay is $175 a session with a sliding scale available, and depending on your plan you may be able to submit for out-of-network reimbursement. Ask during verification.
Is telehealth covered like an in-person visit?
Often, and not always. Telehealth eligibility is one of the specific things checked during benefits verification, since it varies by plan and state.
Bring your card. We'll do the decoding.
Book the visit and send your plan details, or call first if coverage is the deciding factor.