Insurance & Finances

This page is crucial for transparency. For many in the LGBTQ+ and intersectional communities, navigating the healthcare industrial complex is a major source of stress. This design aims to be clear, supportive, and empowering.

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Navigating the System Together

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We believe that quality, identity-affirming mental health care should be accessible. We also know that the insurance world wasn't exactly built with our community's unique needs in mind. Below, you’ll find the details on the panels we currently accept and why many of our clients choose to work with us as Out-of-Network (OON) providers to protect their privacy and the quality of their care.

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If you are covered by one of the following providers, we can typically bill them directly for your sessions. Please note that "in-network" coverage depends on your specific plan.

• Aetna

• Blue Cross Blue Shield

• United Healthcare

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Why Consider "Out-of-Network" Care?

Many of our clients choose to see us even if we aren’t on their specific insurance panel. While it may seem like an extra step, seeking Out-of-Network (OON) care offers several distinct advantages for our community:

 

Increased Privacy & Autonomy

When you use in-network insurance, your provider is often required to share your "clinical notes" and a formal diagnosis with the insurance company to justify your treatment. For those navigating gender-affirming care or sensitive identity issues, working OON keeps your records strictly between you and your therapist.

 

No Forced Diagnoses

Insurance companies operate on a "medical model," meaning they often require a diagnosis of a mental health disorder (like Generalized Anxiety or Major Depression) to pay for sessions. However, many of our clients come to us for identity exploration, relationship growth (ENM/Poly), or navigating systemic stress—things that aren't "disorders." OON care allows us to focus on your goals without labeling your existence as a pathology.

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Specialized Expertise

Insurance panels often limit the number of specialists they let into their networks. By looking outside your network, you gain access to clinicians who have deep, lived experience in intersectional trauma, Kink/BDSM-informed care, and Gottman-certified relationship work—specialties that can be hard to find in a standard insurance directory.

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Collaborative Care Control

In-network insurance can sometimes dictate how often you can meet or for how long. Out-of-network care puts the power back in your hands. You and your therapist decide the frequency and duration of your sessions based on what you actually need, not what a corporate algorithm allows.

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Using Your "Superbill"

If we are out-of-network for you, you may still be able to get 50% to 80% of your session cost reimbursed by your insurance company.

1. You pay for the session at the time of service.

2. We provide a "Superbill" (a detailed receipt) at the end of every month.

3. You submit it to your insurance via their portal.

4. They mail you a check.

Check your OON Benefits: Call your provider and ask: "Do I have out-of-network benefits for outpatient mental health? If so, what is my deductible and what is the reimbursement rate for CPT code 90837 (Individual Psychotherapy) or 90847 (Family or Relationship Psychotherapy)?"

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Our Commitment to Access

We recognize the economic barriers that many in our community face. We offer a limited number of sliding-scale spots reserved for those with low income, BIPOC, and trans/gender-expansive individuals who lack adequate coverage. If you are in need of a reduced rate, please mention this during your initial consultation.