1614 X St., Suite A
Sacramento, CA 95818
US

916-287-3430

Thrive Therapy & Counseling provides high quality therapy to Highly Sensitive People and to kids, teens or adults struggling with anxiety, depression or self-esteem.

Insurance

Can I use my insurance to see a Thrive therapist?

A couple of Thrive’s therapists accept these insurances, and we will bill them for your therapy sessions with your permission. Please note we cannot guarantee that our therapists who take these insurances will have openings for new clients.

Please be aware that insurances require that you have a medically necessary diagnosis, or they will not pay for therapy. In order to use your insurance for therapy, you must grant them permission to access your mental health record at any time.

thrive is in-network with (aka we can bill them):

  • Aetna

  • TriWest/VA Community Care Network (CCN)

thrive is out-of-network with all other insurances.

Image is a picture representation of different types of insurance plans and explanation of how to check benefits with your insurance.

*Insurances May or May not reimburse for therapy with associate therapists.

what questions should I ask my insurance about out-of-network benefits?

  1. Call the Mental or Behavioral Health phone number on the back of your insurance card.

  2. Ask if you have "Out-of-Network benefits."

  3. If they say “yes,” ask these questions. Document what they tell you, who you spoke with, and the date:

    • WHAT IS THE "REIMBURSEMENT RATE" FOR OUTPATIENT MENTAL HEALTH THERAPY?

      • This is the amount your insurance will reimburse you for each therapy session, usually by sending you a check.

      • It may be a set amount (like $130 per session) or a percentage (like 80% of the fee).

    • ARE SERVICES PROVIDED BY REGISTERED ASSOCIATE THERAPISTS COVERED? 

      • Your insurance plan determines whether they reimburse for therapy with Associate Therapists.

      • If you schedule to see an Associate Therapist, you’ll want to know whether Associate Therapists are covered.

      • If your plan does not reimburse for Associate Therapists, you’ll probably want to see a LICENSED THERAPIST so you can receive reimbursement.

      • You can visit our therapists’ bio pages to see who is an Associate and who is Licensed.

    • DO I OWE ANY DEDUCTIBLE? IF SO, WHAT IS MY OUT-OF-NETWORK DEDUCTIBLE?

      • This is an amount of money you might have to pay before your insurance starts reimbursing you.

    • How can I submit Superbills?

      • Your insurance may tell you how to upload the statements to an online portal, or they may give you a mailing address where you can send them.

    • Ask any other questions you have because your insurance determines your Out-of-Network benefits.

WE STRONGLY RECOMMEND THAT YOU VERIFY your OUT-OF-NETWORK BENEFITS BEFORE YOUR 1ST APPointment.

Please note: WE CANNOT TAKE MEDI-CAL or Medicare.

If i don’t have out-of-network benefits, what are my payment options?

FSA or HSA card - You may use your FSA or HSA card to pay for therapy with any licensed or associate therapist at Thrive. These usually work like a credit card that you can store securely on file.

Pay out-of-pocket - You may choose at any time to pay for your therapy sessions at Thrive without using insurance. Some clients prefer this option because they do not wish for insurers to have access to their diagnosis or medical records.

Request a list of in-network providers with openings from your insurance - Contact those providers.

Why is it so hard to find a therapist who takes my insurance?

Unfortunately, our healthcare system is very broken. Many insurance companies pay therapists less than half of the therapists’ fees. When you factor in the overhead of time and labor required to bill insurance and the expenses of running a business, these low payment rates make it unsustainable for many therapists to take insurance without overworking and burning out. And, there’s already a shortage of mental health therapists!

As sensitive therapists, we have to be especially mindful of our energy, boundaries, and self-care. Because of how insurance currently functions, we’re just not able to provide quality therapy services that are sustainable for us over the long-term while contracting with insurances, sadly.

If I pay for therapy myself, how much does it cost?

Licensed therapist: $175 per 50-55 minute session

Associate therapist: $145 per 50-55 minute session

Know your rights

Did you know that California’s Mental Health Parity Act, which was amended in 2020, requires insurances to provide “full coverage” for treating mental health and substance use disorders? This includes arranging coverage for out-of-network services for medically necessary treatment when services are not available in-network.

According to California’s Department of Managed Healthcare, if you can’t get an appointment with a behavioral health care provider (like a therapist) or if your health plan denies behavioral health care treatment, you have rights. They recommend:

“If you are having trouble accessing behavioral health care treatment or services, you should first contact your health plan at the member services phone number on your health plan membership card. Your health plan will review the grievance and ensure you are able to timely access medically necessary care.

If you do not agree with your health plan’s response or your health plan denies treatment, you can file a complaint with your health plan.”

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