INSURANCE & EAP

In-network with the plans that cover service.

Sessions are billed through Headway, which verifies your benefits before your first appointment. Coverage varies by plan, the free consult is a good time to confirm yours.

Billing through Headway, step by step

Headway is the platform this practice bills through, and it sits between you and your insurer so that neither of us is guessing. The order is straightforward. You book an appointment through Headway and enter your insurance information. Headway verifies your benefits before your first appointment, so what your plan covers and what it leaves you to pay is established up front rather than arriving as a surprise later. After each session, Headway bills your insurer and handles the payment side directly with you.

Two things follow from that. First, there is nothing to pay on this website, and you will never be asked for card details here. Second, if a claim or a charge looks wrong, the question goes to Headway and your insurer, which is a faster route than it would be through a solo practice doing its own billing.

If your plan is out of network

Not being on the in-network list above does not mean you cannot be seen. It means the session is paid out of pocket at $150 per individual session, the same rate listed on the rates page. There is no sliding scale, so insurance and EAP are the primary routes to reduce what you pay.

Many plans do carry out-of-network behavioral health benefits, often with a separate deductible and a percentage reimbursed after it is met. Whether yours does is worth a single phone call to the member services number on your card before you start, asking specifically about out-of-network outpatient telehealth psychotherapy.

What a superbill is, and how to use one

A superbill is an itemized receipt for sessions you have already paid for, formatted the way an insurer needs it: dates of service, the service codes, the diagnosis code, and the clinician's license and identifying details. It is not a claim by itself. You submit it to your insurer, usually through a member portal or by mail, and they decide whether to reimburse you under your out-of-network benefit.

If your insurance is out of network, a superbill can be provided. Reimbursement amounts and timelines are entirely your plan's call, so nothing on that can be promised from this end.

Military OneSource and CuraLinc, and how to start

This practice is in-network with Military OneSource and CuraLinc EAP. Employee assistance programs generally work differently from insurance: you contact the program first, they authorize a set of sessions, and the program pays the clinician directly for those sessions rather than billing your health plan. That means no claim on your insurance for the authorized sessions, which matters to people who are cautious about what appears on a plan.

Practically, start by contacting Military OneSource or your employer's CuraLinc program and asking for a referral or authorization, then bring the authorization details to the consult. If you are active duty or Guard and Reserve and want to understand how this interacts with your situation, the active-duty therapy page and the Guard and Reserve page go into that in more depth. There is also a full walkthrough of how to use Military OneSource.

What to have ready before you call

Four things make the first conversation short. Your insurance card, front and back. The state you will physically be sitting in during sessions, which has to be Texas, Maryland or Massachusetts, as explained on the service areas page. Whether you have an EAP through your employer or through Military OneSource. And a rough sense of the hours you can realistically protect each week.

You are also entitled to a Good Faith Estimate of expected costs under the No Surprises Act, and you can ask for one at any point. The Good Faith Estimate notice explains how that works.

Common questions about coverage

Still unsure what your plan will do? Bring it to the free 15-minute consult.

In crisis or thinking about harming yourself? This site is not for emergencies. Call or text 988, or dial 911. Veterans: press 1 after calling 988.