Payment, Fees & Insurance
The therapists at DC Talk Therapy are out-of-network providers for all of the major insurance companies, including Blue Cross/Blue Shield, Aetna, Cigna, and United Health Care.
As opposed to in-network providers, we don’t participate directly with insurance companies. Because of that, we are fee-for-service, meaning that you’ll pay the full amount for each session.
When you meet your deductible, you will begin to be reimbursed by your insurance company based on the percentage it offers.
We’ve found that clients are often reimbursed between 50% to 80%, after meeting their deductible.
Out-of-network psychotherapy coverage varies by carrier and policy. It can often be confusing if you don’t know the right questions to ask.
That’s why our administrative staff will call your insurance company on your behalf and find out your exact coverage for you. They will email that information to you the same day or the next day.
We want to make payment and insurance for therapy as easy as possible, so we ask for your credit card information prior to your first session and store it on a secured site for future use. Unlike most other therapy practices, DC Talk Therapy does not add a service fee for using your credit card.
On the 5th of each month, we’ll email you a statement so that you can submit reimbursement claims to your insurance company. For confidentiality reasons, some clients choose not to file for reimbursement.
What are your fees?
- Intake sessions (60 minutes) for individual counseling range from $255-$285, depending on the therapist. Ongoing 50-minute individual therapy sessions range from $195-$225, again depending on the therapist.
- Group therapy sessions (75 minutes) are $95.
What payment do you accept?
- We accept credit cards, debit cards (VISA, MasterCard, and Discover), and HSA/FSA cards. Payment is expected at the time of service.
How come you’re not in-network?
- Our therapists have made a conscious choice to go out-of-network, thereby working for you, the client, and not the insurance company. Insurance companies may not only dictate the length of your treatment but also the kind of treatment you receive. In addition, it can request detailed information about you that you may not want to disclose. Our therapists prefer to avoid all of that and work with the client’s best interests in mind.