Getting the care you need shouldn’t be complicated. Life After Therapy offers transparent pricing & payment options to put your mind (& your wallet) at ease!
Fees for Services
As a virtual practice, Life After Therapy accepts fee payments via credit or debit card. Newly accepted clients will be asked to provide credit or debit card information electronically as part of contracting for services. Service fees will be charged at the beginning of each session.
- Per Session
- Per Session
- Per Hour
- Per Hour
Currently, Life After Therapy accepts United Healthcare and Aetna insurance. Please note that insurance benefits may only be used for therapy services.
If your insurance provider is not listed above, you may be eligible to use your out-of-network benefits. If opting to use out-of-network benefits, you will need to pay each session fee up front, & file a claim with your insurance for reimbursement. Life After Therapy can provide you with a superbill of services. Please call your insurance in advance to confirm your out-of-network benefits.
Benefits of Self-Pay
Health insurance is a wonderful asset, especially when it comes to seeking mental health care. However, there are some important benefits available to clients who choose to self-pay.
Using Insurance often allows you to pay a copay for your mental health visits, but in many cases clients are responsible for increased session rates until their deductibles are met. Insurance rates & copays are often subject to sudden changes if deductibles reset, policies change, or your employer changes plans. Insurance companies do have the right to decline to pay for services, which passes the full cost of the service on to the client. In rare cases, insurance companies may request your treatment records to ensure quality of care. Although no therapeutic information is released, some clients are not comfortable with these requests.
Choosing to Self-Pay allows for increased confidentiality, flexibility, & consistency. Clients can choose the clinician that is the best fit for them, not just the ones who take their insurance. This allows clients to see clinical specialists who use effective techniques not covered by insurance. Although self-pay rates are often higher than insurance rates, clients can count on these fees staying consistent throughout their treatment. There is no risk of having claims denied, or policies suddenly changed, leaving the client in charge of back-payment. Many providers also offer affordable negotiated rates to clients who opt for self-pay.
Equitable Pricing Commitment
Life After Therapy is committed to offering equitably priced services to our clients. Fees are based on the current market rate for therapeutic services, while also accounting for the clinician’s specialties, expertise, & training. Clients who are experiencing financial hardship, or find it difficult to pay the full rate, may request a negotiated rate for services at any time.
No Surprises Disclosure
Under the “No Surprises” Act, effective January 1, 2022, clients have a right to a “Good Faith Estimate” of what their services will cost if they are choosing to use a provider that is not in network with their insurance. Please review the following:
- Your therapist will review the cost per session with you before scheduling your first session.
- Due to the nature of therapy, your therapist cannot provide you with an exact timeline for your treatment. However, based on the price per session, you can be provided with an estimate of what your services will cost, at your request, once the course of treatment has been decided.
- You do have the right to request a good faith estimate before services are provided. Make sure to save a copy for your records.
- If you receive a bill that is at least $400 more than your good faith estimate, you can dispute the bill.
For questions or more information about your rights under the “No Surprises” Act, please visit www.cms.gov/nosurprises/consumers