The cost of therapy depends on your specific insurance plan and coverage. Many clients pay only a small copay per session, while others may have their therapy fully covered with no out-of-pocket cost. Clients with high deductible plans may need to meet their deductible before their insurance begins to pay for their therapy sessions. Please reach out to your insurance to verify your specific benefits.
A copay (short for copayment) is a fixed amount you pay per visit for a covered health care service, such as a therapy session. Copays are a flat fee, usually ranging from $5–$50 depending on your plan. The copay amount is set by your insurance company and can vary depending on your plan and the type of visit (in-person vs online).
A deductible is the amount you pay out of pocket for covered health care services before your insurance plan begins to share the cost. Once you meet your deductible, your insurance typically starts paying a portion of your care, while you continue to pay a copay or coinsurance percentage, until you meet your maximum-out-of-pocket for the year.
Coinsurance refers to the percentage of the cost of a covered health care service that you pay after meeting your deductible. Unlike a copay, which is a fixed dollar amount, coinsurance is a shared cost between you and your insurance company and is likely to vary by provider, visit type, and service.