Paying for Therapy with Health Insurance, HSA, or FSA

“We believe paying for therapy should be simple, so you can focus on what really matters—your mental health and well-being”
— Wisdom Within Psychology

Therapy is an Investment in Your Happiness, Health, and Future

At Wisdom Within Psychology, I strive to make therapy more accessible by offering payment options, so you can focus on what matters most: your mental health and well being. Whether you’re planning to use out-of-network health insurance benefits, an HSA, or an FSA, this page will help you understand how these options can make therapy more affordable.

Using Out-of-Network Insurance for Therapy

If your health insurance plan offers out-of-network benefits, you can be eligible for reimbursement for therapy services. Here’s how it works:

  • Super-Bill Provided: After each session, I’ll provide you with a super-bill containing the information session dates, service codes, and fees.

  • Submit Claims: You can submit your super-bill directly to your insurance provider or use Mentaya or Thrizer to simplify the process. (If you’d like help using your health insurance benefits keep reading to see a comparison about how Mentaya and Thrizer compare when handling claims for you.)

  • Reimbursement: Depending on your health insurance plan, you can be reimbursed for therapy costs.

Please note: I do not assist with insurance issues, as these are best handled directly by you or insurance experts.

Paying for Therapy with an HSA or FSA

Many clients choose to use their Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for therapy services.

  • Direct Payments: If your account allows, you can use your HSA or FSA card to pay for therapy sessions directly.

  • Documentation Provided: I will provide you with itemized statements that meet the requirements for most HSA and FSA accounts.

  • Pre-Tax Savings: Using pre-tax dollars can make therapy more cost-effective and easier to budget.

Be sure to confirm with your account provider that therapy is an eligible expense under your plan.

Why Choose Wisdom Within Psychology?

Accessible Payment Options: Depending on your health insurance coverage, you can use out-of-network benefits, HSA, or FSA health accounts for therapy.

Empowering Your Journey: Therapy with me is focused on creating lasting change and helping you achieve your goals.

No Guesswork: While I don’t assist with insurance issues, I partner with Mentaya and Thrizer who offer support to help you take charge of your payment process.

Start Your Journey Today

Therapy is an investment in your well-being. If you’re ready to explore your payment options or have questions about using HSA, FSA, or out-of-network benefits, please check out the resources below to empower you to invest in your mental health care.

Wondering if your insurance can cover your sessions?

Check your benefits instantly.

Making Therapy Accessible: Thrizer vs. Mentaya

Both Thrizer and Mentaya make out-of-network reimbursements easier by handling the entire claims submission process, including any insurance issues like denials or delays. Here’s a quick comparison to help you choose the best fit.

Feature Thrizer: Faster Reimbursements & Pay Only Co-Pay Upfront Mentaya: Insurance Submission & Benefits Savings
Benefits Verification Thrizer instantly checks your out-of-network benefits and provides a detailed breakdown, including deductible and costs. Mentaya instantly verifies your benefits on our website with no signup required, so you know your potential reimbursement right away.
Claim Submission Automatically submits claims after each session, handling insurance issues like denials or delays to make the process easier. Submits super-bills directly to your insurance after each session, managing insurance issues, including denials or delays, on your behalf.
Reimbursement Process Clients only pay the co-pay at the time of each session, (once the deductible is met) and Thrizer manages the full reimbursement process to get you reimbursed sooner. Clients pay the full session fee upfront, with reimbursement sent directly to you by your insurance company after processing.
Client Reimbursement Timing Thrizer clients often receive reimbursement quickly—within a few weeks, or instantly in eligible cases. Mentaya clients may experience longer reimbursement times, ranging from 1 week to 3 months depending on your insurance provider’s timeline.
Client Fees Charges a 5% fee per claim for instant reimbursement; free if working toward your deductible. Charges a 5% fee per claim.

Which Option is Right for You?

  • Choose Thrizer if you prefer:
    • Faster reimbursement, with many clients reimbursed within weeks or instantly in eligible cases.
    • Paying only the co-pay upfront, minimizing immediate costs.
  • Choose Mentaya if you prefer:
    • Access to a straightforward platform with 24/7 support, though reimbursement may take from 1 week to 3 months, depending on your insurance provider’s timing.
    • Paying the full session fee upfront and receiving reimbursement directly from your insurance provider once claims are processed.

Thrizer and Mentaya both simplify out-of-network reimbursements by fully managing the claims process, including any insurance issues. Choose Thrizer for faster reimbursements and lower upfront costs, or Mentaya if you prefer a hands-off approach to insurance submissions.

Have questions about therapy and insurance?

Contact us now to verify your benefits and start your journey to better mental health.

 

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