Out-of-Network Therapy: How to Afford Counseling With Insurance

Many people worry therapy will be too expensive, especially if a provider isn’t in-network. The good news? Out-of-network therapy can be manageable with the right tools and guidance.

How Out-of-Network Coverage Works

• Some insurance plans cover 60–80% of sessions, even if the therapist is out-of-network.

• We are partnered with Mentaya, which handles claims and reimbursement for you. This means you can still see us at an affordable cost, even if we’re out-of-network.

• You pay upfront, then submit for partial reimbursement, and Mentaya makes the process easy and stress-free.

Tips to Navigate Costs

• Confirm your benefits and out-of-network coverage.

• Ask your provider if they submit claims on your behalf.

• Explore self-pay discounts or sliding scale options if needed.

Final Thoughts

Accessing therapy doesn’t have to be a financial burden. With out-of-network benefits and support from Mentaya, you can get the care you need without worrying about cost.

👉 We can help you navigate insurance and maximize coverage so you can access therapy affordably in Massachusetts or New Hampshire. Reach out today if curious!