How Much Does Online Therapy Cost?
Starting therapy is an investment. By booking your first session, you are making the courageous decision to put yourself first. It is a big deal to direct time, money, and energy into yourself and your well-being. We get it. You want to be sure that it’s “worth it,” and that you will get the results you want.
Paying for Online Therapy: Out-of-Pocket Rates ​​
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If you choose to pay for therapy services out-of-pocket (i.e., not using insurance benefits), we accept payments via debit card, credit card, or HSA. Your card will be kept on file in our HIPPA secure electronic health record system, Simple Practice, and will be conveniently charged at the end of each session by your provider unless you request a different payment schedule.
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Out-of-pocket rates vary by provider based on experience, speciality training, and licensure level. We strive to help close the accessibility gap and ensure that every women can access high-quality online mental health care. Therefore, we've developed the affordable counseling fee schedule below, which determines your rate based on your personal financial experience, income, and chosen provider.
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The time to
Invest in Yourself is Now
Paying for Online Therapy with Insurance:
Insurance Plans Accepted at Her Time Therapy!
At Her Time Therapy, PLLC we are committed to ensuring therapy services are convenient and accessible. Income shouldn't stand in the way of you getting the quality mental health care that you need. That is why we are a group of therapists that accept Medicaid and are happy to accept select commercial insurance plans to you cover the cost of mental health counseling and access affordable therapy services:
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Aetna
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Anthem Blue Cross Blue Shield
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Colorado Medicaid (Health First, Rocky Mountain, CO Access, CO Alliance)
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Carelon Behavioral Health
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Optum
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Oxford
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United Healthcare
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Therapy is worth time and money because YOU are worth it.
We take your decision to start your journey to better mental health seriously. It takes courage to seek help and support, so we commit to show up for you each session and provide the highest quality care possible.
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Out - of - Network Benefit Checker
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If we do not yet accept your insurance plan or you do not want us to bill your insurance directly (check out our blog on the pros and cons of using insurance to pay for therapy to be sure it's in your best interest to use insurance) your counseling services may be eligible for reimbursement through out-of-network benefits or can be paid out of a health care savings account.
It is recommended to check with your insurance company regarding coverage for mental health services and if reimbursement is provided for services provided by out-of-network providers. ​
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As an out-of-network provider for some insurance plans, we have partnered with Mentaya to help our clients save money on therapy. Use visit Mentaya to see if you qualify for reimbursement for services at Her Time Therapy​
Personal Superbill Reimbursement Management
If you do not want us to use Mentaya to submit out-of-network reimbursement claims on your behalf, we can provide you with a Superbill upon request that you can send to your insurance company to personally request reimbursement for out-of-network covered services. for services you've received and paid for out of pocket. Many of our existing clients have had success submitting a superbill via email to their insurance company and receiving partial or full reimbursement.
Ultimately, it is your choice whether you’d like to involve your insurance company in your mental health care. However, many clients choose not to involve their insurance company in their mental health care because of two important factors:
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Health insurance may not cover all types of therapy and often limit the number of sessions you can have over a certain period. This places your care in the hands of the insurance company, rather than with you and your therapist.
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To cover therapy services, insurance companies require a mental health diagnosis. This diagnosis then becomes a part of your permanent health care record. A mental health diagnosis is often not necessary or appropriate and may lead to limitations such as higher rates or denial of life insurance, disability insurance, or health insurance.
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If you are unsure about using your insurance or not, read our blog post for information that can help you decide what is right for you: Pros and Cons of Using Insurance to Pay for Therapy
Good Faith Estimate
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
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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 bill for medical items and services.
• You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or 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 or call the Colorado Division of Insurance at 303-894-7490 or 1-800-930-3745.