Guides
How to Use Your Insurance for Therapy
A few calls before your first session can save you a surprise bill. Here is what to ask your insurer, what to do in our client portal, and what happens if a clinician is out of network.
The short answer
Find a clinician who is in network with your plan, call your insurer to confirm your mental health benefits and copay, and enter your insurance in our client portal by 7 am on the day of your first session. If the insurance section is not complete by then, we will not know you plan to use insurance and you will be billed the full session fee.
Plans our clinicians accept
Coverage depends on the clinician. Each profile lists exactly which plans that person accepts.
- Aetna
- Blue Cross Blue Shield
- Cigna
- UnitedHealthcare
- Optum
- Medicare, with Dr. Renata Nero
- Oscar
- UMR
Questions to ask your insurer
- Is outpatient mental health covered, and what is my copay or coinsurance?
- Do I have a deductible to meet first?
- Is telehealth covered the same way as in-person visits?
- Do I need a referral or prior authorization?
- Do I have out-of-network benefits?
Before your first session
- 1.
Choose a clinician
Use Find a Clinician and filter by insurance.
- 2.
Call your insurer
Confirm benefits and write down the answers.
- 3.
Complete the portal
Add your insurance by 7 am on the day of your first session.
- 4.
Bring your card
Keep it handy in case the office needs to confirm details.
If your clinician is out of network
We are happy to file claims for you on request, whether your clinician is in network or not. If your plan has out-of-network benefits, they may be comparable to in-network benefits, or you may be reimbursed for part of the fee. Ask about superbills if you prefer to submit claims yourself.
What insurance does not cover here
Psychological testing is private pay. Hypnosis is private pay. Medication management is private pay.
If you are not sure what your plan covers
Call the member services number on the back of your card and ask specifically about outpatient behavioral health. Write down the name of the person you spoke with, the date and what they told you. If something on a later statement does not match, those notes make it much easier to sort out.
Questions
What are your fees?
Fees vary by clinician and service. Call 832-876-3232 for details.
What if my insurance changes?
Update it in the client portal before your next session.
Do you accept Medicare?
Yes, with Dr. Renata Nero.
Find an in-network clinician
Use Find a Clinician to filter by your plan, or call or text 832-876-3232.