Understanding Insurance & Affordability
Quality mental health care should be accessible to all.
We’re committed to helping you navigate the often complex world of insurance and therapy costs.
Insurance and Self-Pay
Our goal is to ensure you can focus on your journey of growth and healing without undue financial stress. Work with a clinician directly for questions, as they are able to make referrals or answer questions.
Virtual Sessions & Multi-State Licensing
Our therapists offer convenient virtual sessions, allowing you to access care from the comfort of your own space. We’re proud to have therapists licensed across multiple states, including Maryland and Pennsylvania, to serve a diverse range of clients.
Insurance Options
Accepted Insurance Plans
While each therapist maintains their own panel of accepted insurance plans, Restorative Strategies works with a variety of insurance providers. Some of the insurance plans we commonly accept include:
Aetna
Blue Cross
Blue Shield
Cigna
United Healthcare
Please note that this list is not exhaustive and may change. We recommend viewing our staff bios for specific insurance information or reaching out to an individual therapist directly to verify insurance acceptance for your specific plan.
In-Network Coverage
Many of our therapists are in-network with various insurance providers. When you reach out to us, we’ll help match you. Our staff profiles are designed to help you find the right therapist that aligns with your personal goals, preferences, and insurance needs. We want you to find a therapist who not only meets your therapeutic needs but also works with your insurance.
Out-of-Network Benefits
If your preferred therapist isn’t in-network with your insurance, don’t worry! Many insurance plans offer out-of-network benefits. Here’s how it typically works:
1. You pay the full fee at the time of service.
2. We provide you with a superbill (a detailed receipt or invoice for insurance purposes).
3. You submit the superbill to your insurance company for reimbursement.
Reimbursement is not guaranteed and the amount of reimbursement depends on your specific plan’s out-of-network benefits. Additionally, Out-of-Network benefits can have higher deductibles so we recommend contacting your insurance provider to understand your coverage.
Frequently Asked Questions
Answers to commonly asked questions about insurance and affordability
What’s a Superbill?
A superbill is an itemized form that includes all the information insurance companies need to process out-of-network claims. It typically includes:
– Your demographic information
– Diagnosis codes
– Procedure codes
– Dates of service
– Fees charged
We’re happy to provide superbills for all our services, making it easier for you to work with your insurance company for reimbursement.
Do you offer a Payment Sliding Scale?
We understand that therapy can be a significant investment. To make our services more accessible, some of our therapists offer sliding scale fees based on financial need. While not guaranteed, we encourage you to discuss this option with your therapist if cost is a concern.
Can You Afford Therapy?
This is a common and valid question. The value of therapy extends far beyond the sessions themselves – it’s an investment in your mental health, relationships, and overall quality of life. We’re committed to working with you to find a solution that fits your budget without compromising on the quality of care.
How do I find the Right Therapist?
At Restorative Strategies, we believe that the therapeutic relationship is key to successful outcomes. We offer a diverse team of therapists with varied backgrounds, specialties, and approaches. Our staff profiles are designed to help you find the right therapist that aligns with your personal goals, preferences, and insurance needs. Once you have identified a therapist you would like to work with, reach out to start a consultation.
How Do You Handle Transparency and Accessibility?
We use Simple Practice, a secure healthcare platform, to manage your information. Through the client portal, you’ll have easy access to your appointments, billing information, and secure messaging with your therapist.
Ready to Begin Your Journey?
We’re here to help you navigate the financial aspects of therapy so you can focus on what really matters – your mental health and personal growth. If you have any questions about insurance, fees, or finding the right therapist, don’t hesitate to reach out. Your journey towards healing and self-discovery is unique, and we’re committed to supporting you every step of the way.
Centers for Medicare and Medicaid Services (CMS) released the No Surprise Act. This aims to prevent Surprise Billing by providers for services rendered to consumers without insurance or insured consumers that don’t plan to use their health plan to cover costs. Providers must furnish a Good Faith Estimate to the individual prior to receiving the service or item. Please see the attached link for more information. If you have any questions, please get in touch with us at help@restorative-strateiges.com