Insurance & Coverage
Using Insurance for Therapy at CBT Collective
CBT Collective is not in-network with insurance plans, but if you have a PPO or POS plan, you may get a significant portion of each session reimbursed through out-of-network benefits. Most clients with out-of-network benefits pay $115–285 per session after reimbursement.
Before treatment begins, our care coordination team can often verify your out-of-network benefits in real time during your consultation and provide an estimated out-of-pocket cost, so you know what to expect before committing to care.
Check Your Coverage
What type of insurance plan do you have?
Good news - reimbursement may be available
Out-of-network coverage is not common
No problem — it's easy to check.
Cost & Reimbursement
What Will Therapy Actually Cost Me?
Many people assume out-of-network therapy means paying the full session fee out of pocket. Your actual cost depends on your plan's deductible and coinsurance — here's what that typically looks like for clients with PPO or POS benefits:
$115–$285
$325–$475
50–80%
support
How We Can Help
Insurance can be confusing. During your consultation, our care coordination team works in real time to make sure you have what you need before committing to treatment:
The process
How Reimbursement Works
Being out-of-network simply means we do not bill insurance companies directly. Instead:
You pay for the full cost of each session by credit card at the time of service.
We provide a superbill, an itemized invoice used for insurance reimbursement, after each session.
You submit the superbill to your insurance company.
Your insurer reimburses you directly, if your plan includes out-of-network benefits.
Our Philosophy
Why We Choose to Remain Out-of-Network
For CBT Collective, staying out-of-network gives us the flexibility to invest in the clinician expertise, advanced training, and individualized treatment our clients deserve.
Glossary
Key Terms You’ll Hear
Allowed Amount
The amount your insurance company considers reasonable for a particular service, often called the “Usual & Customary Rate.” Reimbursement is typically based on a percentage of this amount, not necessarily the full fee charged by your therapist.
Coinsurance
The percentage of costs you pay after your deductible has been met. For example, a plan with 30% coinsurance means you pay 30% of the allowed amount, while your insurer covers the remaining 70%.
Deductible
The amount you must pay before insurance begins contributing toward covered services.
Superbill
A detailed invoice we provide after sessions that can be submitted to your insurance company for reimbursement.
Frequently Asked Questions
At CBT Collective, we prioritize providing highly specialized, evidence-based care tailored to each individual and family we serve.
Remaining out-of-network allows our clinicians to focus on treatment rather than insurance requirements. It also gives us the flexibility to offer specialized services, invest heavily in clinician training and consultation, and match clients with the clinician who is the best fit for their needs—not the one approved by a particular insurance network.
While we don't bill insurance directly, many of our clients use out-of-network benefits to receive partial reimbursement for therapy services.
Our goal is to help you understand your options and make an informed decision about care.
Being out-of-network simply means we do not bill insurance companies directly.
Instead:
- You pay for your session at the time of service.
- We provide documentation you can use to seek reimbursement from your insurance company.
- You submit that documentation to your insurance company.
- Your insurance company may reimburse you for a portion of the cost, depending on your plan.
Many PPO and POS plans include out-of-network mental health benefits, while most HMO and EPO plans do not.
Yes.
If you provide your insurance information, our team can often help verify whether your plan includes out-of-network mental health benefits and explain key details such as your deductible, coinsurance, and reimbursement structure.
When possible, we'll also provide estimated out-of-pocket ranges based on your benefits and the clinician you're considering working with.
Because reimbursement amounts are ultimately determined by your insurance provider, we cannot guarantee coverage or reimbursement amounts. However, we'll do our best to help you understand the likely costs before beginning treatment so there are fewer surprises along the way.
Most PPO and POS plans include some level of out-of-network coverage for mental health services.
Most HMO and EPO plans do not include out-of-network benefits.
Because coverage varies significantly between plans, we recommend confirming your benefits with your insurance company or allowing our team to help review them with you.
Session fees typically range from $325–$475 and vary by clinician based on training, specialty expertise, and credentials. Many clients with out-of-network benefits pay $115–$285 per session after reimbursement. Before treatment begins, we'll review your specific clinician's fee and help estimate your out-of-pocket cost based on your benefits.
No. CBT Collective does not bill insurance companies directly.
We provide the documentation needed for reimbursement, a superbill, and clients submit it directly to their insurance company. It's typically a simple process, most insurers accept superbills through their website, app, or by mail.
Our care coordination team is happy to walk you through each step and answer any questions along the way.
Many insurance plans require you to meet an out-of-network deductible before reimbursement begins, though every plan is different.
If your plan includes an out-of-network deductible, the amount remaining on that deductible may affect when you start receiving reimbursement for your therapy sessions.
Our care coordination team can often help you understand your deductible and how it may impact your out-of-pocket costs.
You pay at the time of service via credit card, and after each session you'll receive a superbill and reimbursement documentation through your secure client portal. You can submit this directly to your insurance company, often through their online member portal.
If your plan includes out-of-network benefits, your insurer will review the claim and determine your reimbursement based on your coverage. Timelines vary, but many clients receive reimbursement within a few weeks.”
Cost is an important factor, and we want to be transparent about it. Many clients choose CBT Collective for specialized clinical expertise, whether that's treating OCD, anxiety, eating disorders, ADHD, autism, trauma, or perinatal mental health, or working within a specific approach like CBT, ERP, DBT, or ACT.
During your consultation, our care coordination team will walk through session fees and what treatment could look like for you, so you have what you need to make an informed decision. If we're not the right fit, we'll do our best to point you toward other resources.