Pricing and Insurance Information
Thrivemind is a fee for service clinic, serving both private pay clients and insurance policy holders.
We believe that mental health services should be affordable and accessible, and work hard to provide fair rates for sessions and services, without compromising quality and expertise. Our fees vary depending on the service provided and the length of the session, and we also work with many insurance companies to ensure mental health treatment is accessible.
If you have questions about using insurance coverage to pay for therapy, lease take a moment to read over the Frequently Asked Questions below. The information on this page is not intended to determine your insurance benefits. Please call your Health Insurance Carrier for information specific to your plan and coverage.
In some circumstances, we may also offer pro-bono or reduced fee services.
To discuss fees, insurance, and to help you decide if Thrivemind is right for you, we offer a free 15 min consultation to all new clients.
Does insurance pay for therapy?
Before your first appointment, it is important to contact your insurance provider and verify if your plan covers mental health services. In most cases, individual sessions for mental health treatment are covered, but there are some exceptions.
When you make your first appointment, we will ask you for your insurance information so we can help you verify your mental health benefits as well.
Do I have to pay a Copay?
For most people using health insurance to pay for counseling, there is a copay, which is a flat fee you pay out of pocket and which is due at the time of the appointment. The amount is determined by the specific insurance plan you have. Your insurance card may list your copay amount and mental health service copays are the "specialist" rate.
What is Co-insurance?
Some plans have a co-insurance, which is similar to a copay, but is a percentage of the cost of the service, instead of a flat fee. For example, if a service (e.g. therapy session) costs $100 and your co-insurance is set at 25%, you will be responsible for $25 and your insurance company will pay for the remaining $75. Usually plans that have a co-insurance require you to meet your deductible first before using co-insurance.
What if I haven't met my Deductible?
A deductible is a specified amount of money that you pay towards services before your insurance company starts paying for services. Not everyone has a deductible and the amount varies from plan to plan. Some plans have a deductible for Out-Of-Network Providers but not for In-Network Providers.
How it works: for example, if your deductible is $500, you are required to pay for services at each appointment until your payments add up to $500. After that amount, you pay your co-insurance rate only, instead of paying the full price for the service.
Do I have to file a claim myself?
Thrivemind will file claims with your insurance for you. All you have to do is pay your copay, deductible, or co-insurance at the time of the appointment, the we take care of sending a claim to your insurance company so they can pay their part of the fee. It's the stress-free way!
What is a Superbill?
However, if you would like to use an insurance company that we currently do not accept or are not in network with, we will gladly provide you with a Superbill. You pay for services and then file a Superbill with your insurance company requesting for them to reimburse you for all or a percentage of the fee you paid.