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Rates & insuranceUnderstanding your investment in mental health care
We are committed to providing specialized, high-quality care for individuals struggling with OCD and related anxiety disorders. We understand that navigating the financial aspects of therapy can be complex, so we strive to make our rates and insurance policies as transparent and straightforward as possible.
Our approach to rates and insurance
Like many specialty providers, OCDMN opts out of participating in direct insurance plans. This decision allows us to ensure maximum privacy, confidentiality, and flexibility in the therapeutic services we offer. Many of our clients successfully receive reimbursement through their insurance provider by leveraging out-of-network (OON) benefits.
Why Choose Private Pay?
Complete Confidentiality
Your records remain private, as we do not submit them to insurance or third-party payers.
Tailored Treatment Plans
Freedom in the type(s), availability, and duration of treatment, including longer sessions, multiple weekly sessions, in-home sessions, video sessions, and public exposures, all designed to address your specific needs.
Immediate Access
Eliminates limitations set by insurance providers, offering immediate access to care.
Our pricing
If you have out-of-network benefits as part of your insurance plan, you may be eligible for reimbursement for the services you receive at OCDMN. We encourage you to reach out to your insurance provider for specific details on how to claim these benefits.
Individual therapy$175 - $250 per session
Standard length sessions at OCDMN begin at $175. Our fees range up to $250 based on the specific needs and treatment plan
group therapy$60 per group session
Engage in our supportive group therapy sessions for a flat rate of $60 per session. Discounted packages are available for those who wish to commit to multiple sessions.
Maximizing your out-of-network benefits.
For clients with out-of-network benefits, we strive to simplify the reimbursement process. Here’s a guide to using your OON benefits effectively
1. Understand your coverage
Utilize tools like our Nirvana Reimbursement Calculator (scroll down to use) and contact your insurance provider directly to understand your coverage for behavioral health services, including coverage percentages, deductibles, and telehealth options.
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“Do I have out-of-network (OON) coverage for behavioral health services?”
“How much will you cover for therapy sessions?” (It’s usually around 50-80% of session fees.)
“What deductible do I need to meet before you will begin sending reimbursements to me?”
“Can I use these benefits for telehealth and in-person visit? Or only in-person sessions?”
“Do I need to be referred by an in-network provider, such as my PCP, in order to see an out-of-network therapist?”
“How much will I be reimbursed for a 45 minute psychotherapy session (CPT code: 90834)?”
“How do I submit claim forms for reimbursement?”
2. Request a superbill
Inform your therapist if you need a superbill for out-of-network reimbursement. A superbill includes all necessary information for your insurance provider, including a mental health diagnosis corresponding to the services received.
3. File your claim
You can submit your superbill directly to your insurance provider or use Reimbursify, our partnered app, to file claims effortlessly from your smartphone. Reimbursify simplifies the process, updating you on your claim status in seconds and facilitating reimbursement.
Payment & Insurance FAQS
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OCDMN accepts HSA/FSA cards, credit/debit cards, cash and check for payment, which is due at each session.
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Please cancel appointments 24 hours in advance. Otherwise, you will be charged the full session fee for the missed appointment. This applies to the first session as well.
Late cancellation fees and missed appointment fees are not reimbursed by insurance companies.
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While OCDMN does not directly collaborate with or bill your insurance company, we recommend the following link to assist you in understanding out-of-network coverage, your mental health benefits, and the process for submitting claims for insurance reimbursement.
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Depending on your insurance plan, your insurance provider may be able to reimburse most (50-80%) if not all of the cost if you have out-of-network (OON) benefits.
If you would like to use OON benefits and be reimbursed, you can use the Nirvana Reimbursement Calculator below to get an estimate.
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For therapy appointments, a card will be placed on file in the secure client portal and you will be charged your clinicians fee at the time of service. If you plan to file for out-of-network reimbursement, let us know, and we can provide you with a superbill.
To make your out-of-network (OON) claims process a little easier, we have mapped out the steps you need to take in order to be reimbursed for our services.
1. Contact your Insurance Provider
We have the wonderful Nirvana Reimbursement Calculator on our website as a tool to give estimates on the amount of coverage and reimbursement you are eligible for, but we strongly recommend that you contact your insurance provider directly to confirm. You can reach them by calling the number on the back of your insurance card and asking them the following:
“Do I have out-of-network (OON) coverage for behavioral health services?”
“How much will you cover for therapy sessions?” (It’s usually around 50-80% of session fees.)
“What deductible do I need to meet before you will begin sending reimbursements to me?”
“Can I use these benefits for telehealth and in-person visit? Or only in-person sessions?”
“Do I need to be referred by an in-network provider, such as my PCP, in order to see an out-of-network therapist?”
“How much will I be reimbursed for a 45 minute psychotherapy session (CPT code: 90834)?”
“How do I submit claim forms for reimbursement?”
2. Tell your therapist that you need a superbill
A superbill is a document that your therapist can generate for you upon request. You should be aware that if you pursue reimbursement, your contract with your health insurance company would require that OCDMN provides it with information relevant to the services that are provided to you. The superbill will include information regarding the type of services you received by your clinician and your insurance company will require a mental health diagnosis to correspond with each service provided. Your therapist can speak with you about what mental health diagnosis might best fit your experience.
3. Submit Your Claim or Download Reimbursify
You may already be familiar with processing claims yourself, but most people aren’t! If you are confident in submitting claims yourself then every month you can send your superbill to your insurance provider directly based on their instructions.
Since insurance can be confusing, we want to make sure this process is done correctly as each insurance company has it’s own process. OCDMN has partnered with Reimbursify for you to easily submit your claims for out-of-network health insurance reimbursement, straight from your smartphone! If you prefer to go this route, you can download the app here and get your first claim free – after which Reimbursify will charge $2.99 per claim.
4. Submit Superbills to Reimbursify
You will pay your therapist for sessions at the time of service and receive monthly superbills which act similar to receipts. If you are submitting the claims yourself then you will go ahead and send each superbill to your insurance provider. If you choose to use Reimbursify, simply upload your superbills into the app and file your claims. In as little as 10 seconds, Reimbursify will update you on the status of your claim. Once your claim has been processed, you will receive a reimbursement check from your insurance company (or an equivalent amount applied to your OON deductible, if applicable).
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Yes! At OCDMN, we are committed to making mental health care accessible to everyone in our community. To support this commitment, we reserve a limited number of sliding scale spots for clients. These spots are specifically set aside to ensure that individuals with different financial circumstances can access the care they need. If you're interested in our sliding scale options, please don't hesitate to reach out to us for more information and availability.
No Surprises Act – Good Faith Estimate
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. - Make sure to save a copy or picture of your Good Faith Estimate.
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Do more than manage symptomsReclaim your life and thrive.
Our dedicated team is ready to guide you through each step of your journey with compassion, expertise, and unwavering support.
