Your Guide to
Paying for Therapy
Does DWELL accept insurance? What are my other options?
Forms of Payment
We accept all major credit cards, debit cards, and HSA/FSA as forms of payment.
During the intake process, we require that a form of payment (i.e., credit card, debit card, FSA, or HSA card) be kept on file. Please be advised payment information is securely stored within a HIPAA-compliant medium. Your session may be at risk of cancellation if a working card is not on file prior to the appointment time.
Private Pay
While it is a larger investment upfront, paying out of pocket for therapy does have benefits. Insurance companies require a diagnosis in order to pay for services. The problem is, not everyone qualifies for a diagnosis and we want our clients to have the personal choice to decline a mental health diagnosis if it’s not necessary. Paying out of pocket allows you to choose a therapist who best meets your needs (availability, specialties, connection, trust, etc.) without being limited by your insurance company’s (sometimes limited) options for therapists, types of therapy covered, availability, or number of sessions.
For those wanting to use private pay, our rate for all 50 minute sessions is $140 for associate licensed clinicians and $150 for fully licensed clinicians.
Insurance
Dwell Ministry is currently in network with AETNA.
Some of our providers are paneled with other insurance companies and can accept most BCBS, Aetna, United, Oxford, and Oscar Health plans. You can discuss this process with your specific therapist.
However this does not mean that working with a provider who does not take insurance has to cost a fortune! Many health insurance plans include out-of-network (OON) mental health benefits, which is when your insurance helps to cover the cost of therapy.
Depending on your specific plan, your insurance carrier may reimburse you anywhere from 50-80%! That means that the out-of-pocket cost of a $150 therapy session after reimbursement could be just $30-$75.
We also work with a company called Thrizer, which allows you to pay your out-of-network copay only for therapy. You’ll pay your copay (plus a small fee), Thrizer pays your therapist the rest of the fee, and then Thrizer gets reimbused directly. No waiting on reimbursement for you! Let us know if you’re interested in this so we can invite you to create an account and get started!
Reduced Fee, Sliding Scale, and Uninsured
We want to do our part to make counseling accessible to all. Each of our clinicians offers a limited number of reduced fee and sliding scale slots. We have a reduced fee application that you can fill out to help us determine what rate we can offer you and for how long (based on Federal Poverty Guidelines). Please ask about this in your phone consultation if you are needing financial assistance to access counseling services.
Benefits of Working with an Out-of-Network Therapist
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You Don't Need a Diagnosis
Just because therapy is helpful doesn’t mean a diagnosis is always appropriate. Not everyone qualifies for a diagnosis, but insurance companies require a diagnosis to pay or reimburse for services (whether you are using in-network or out-of-network benefits).
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You Decide on Frequency
You’re free to decide, with your therapist, how many sessions you need and how frequently to meet.
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Greater Access to Services
You will have access to a greater variety of therapy services and specialties, including faith-based providers who can offer a unique Christian perspective no matter what your mental health concerns may be. You’re not limited by who is listed on your insurance company’s website at any given time.
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Find YOUR Therapist
You can focus on finding someone who you like, connect with, and trust without being limited by insurance.
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No More Waiting
You’re more likely to be able to get in quickly with an out-of-network provider instead of getting put on another waitlist. Usually when we reach out for help, we need it now.
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Faster Results
When you work with a therapist who fits your needs best, without compromising because you’re limited by who is paneled by your insurance company, you can focus on the greater work: your healing journey. And when we’re focused on what matters most, we’re more likely to achieve the results we want more efficiently.
Questions to Ask
Your Insurance
Contact the Member Services phone number on the back of your health insurance card. Ask your insurance representative the questions listed below to understand your out-of-network mental health coverage and out of pocket costs.
Do I have out-of-network outpatient mental health or behavioral health coverage?
What is my out-of-network deductible?
What percentage of outpatient mental health sessions are covered per session? Are these CPT codes covered: 90791, 90837, 90847?
How many outpatient therapy sessions are allowed per calendar year?
What is the process for submitting claims?
Do you reimburse for Telehealth appointments?
