Your Insurance May Cover More Than You Think

I don't bill insurance directly. You should know that upfront.

Here's what most people don't know: if your plan has out-of-network benefits, your insurance may reimburse 50 to 80% of every session once you've met your deductible. Most people never find out, because finding out used to mean forty minutes on hold with a customer service rep reading you a policy number.

It takes about sixty seconds now.

Check Your Benefits

Grab your insurance card. You'll see what your plan covers, whether you have a deductible, and how much of it you've already met this year.

This tool is provided by Mentaya, a service that specializes in out-of-network mental health claims. Your results are an estimate based on the information your insurer provides — always confirm details with your plan before making financial decisions.

What Are Out-of-Network Benefits?

Your insurance plan has two doors.

The first is in-network. Your insurer has a contract with that provider, you pay a copay, and the paperwork happens invisibly behind the scenes.

The second is out-of-network. Same plan, same building — but unmarked, and nobody hands you a key. Behind it, your insurer pays back a percentage of what you spend on care outside their network. You pay your provider directly, then get reimbursed.

Most people never open that door because opening it meant filing your own claims and phone calls with insurance on your lunch break. That's the part I've taken off your plate.

How It Actually Works

1. You check your benefits
Sixty seconds, using the tool above. Mentaya follows up by email with your results and next steps.

2. You set up your Mentaya account
A few minutes, once. You'll get a dashboard where you can watch every claim move from submitted to reimbursed.

3. We meet for sessions as normal.
You pay the full session fee at the time of service.

4. I submit the claim and cover the 5% processing fee
Nothing for you to file, sign, or follow up on.

5. Mentaya handles the insurance company.
They submit, track, and resolve denials or appeals (if applicable).

6. Your insurance reimburses you directly.
Usually within 1-6 weeks.

What This Looks Like in Real Numbers

Say your plan reimburses 60% after a $500 deductible, and we meet weekly at $165 a session.

For the first three or four sessions, you pay the full fee while you work toward your deductible. After that, insurance reimburses $99 per session — bringing your real cost to about $66.

The sticker price is not the price. People decide they can only afford therapy once a month based on a number they'd never actually pay. Run the math again with real information.

Percentages vary. The checker above will tell you yours.

Common Concerns

  • You likely have out-of-network benefits if you have a PPO, POS, or HDHP plan. Many employer-sponsored plans in Colorado fall into these categories. HMO plans generally cover in-network care only.

    I'm not currently able to work with clients using Medicaid or Medicare.

    If you have an HSA or FSA, those funds can be used for therapy regardless of your plan type — and unused FSA dollars typically expire at year-end.

    Either way, the checker will tell you where you stand in a minute rather than a month.

  • I hear this constantly. Long waitlists, unreturned calls, directories full of people who aren't actually accepting clients. Out-of-network benefits open up the whole field — you pick the therapist who fits the work, and your plan still contributes.

  • Check your benefits before you decide. It costs nothing and takes a minute, and I've watched that one step change the math for a lot of people. If the numbers still don't work, tell me and we'll talk about what does.

  • Insurance reimbursement of any kind — in-network or out — requires a diagnosis code on the claim. That's true anywhere you use benefits. It's a normal part of the process, and it's something we'll talk through together before anything is submitted. If you'd prefer to keep insurance out of it entirely, you can simply pay privately and skip all of this.

  • Maybe — and monthly is better than nothing. But find out your actual per-session cost first. The rhythm of this work matters, especially early, and I'd hate for you to build your care around a number that isn't real.

  • Mentaya handles it. Appeals, follow-up calls, corrected resubmissions — that's what the 5% processing fee I cover on clients’ behalf is for.

  • No. Insurance reimbursement applies only to counseling services for Colorado residents. Coaching is a different service, and it isn't eligible for insurance benefits of any kind.

Let’s Chat

Check your benefits. Then book a free consultation and let's find out whether we're a good fit — a conversation about what you're carrying and whether I'm the right person to help you carry it.

Schedule a consult

Note: I am an out-of-network provider and do not bill insurance directly. Reimbursement estimates are provided by Mentaya and are not a guarantee of payment. Coverage and reimbursement rates are determined by your individual insurance plan. You have the right to a Good Faith Estimate of expected charges — visit cms.gov/nosurprises or call the Colorado Division of Insurance at 303-894-7490.