Insurance Coverage Overview

Understanding Your
Insurance Coverage

We’re an out-of-network practice, which means we require payment at the time of your session. The good news? We provide detailed receipts with everything you need to submit to your insurance company for reimbursement—many of our clients get a portion of their costs covered. We accept cash, check, and all major credit cards (Visa, MasterCard, Discover).

  • Call your insurance company first to ask about out-of-network mental health benefits and reimbursement rates

  • Ask what documentation they need for submitting claims and how long reimbursement typically takes

  • Inquire about your deductible and copay to understand what you’ll pay out-of-pocket versus what they’ll cover

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What Insurance Typically Covers

Understanding Common Therapy Coverage

Every insurance plan is different, and coverage can vary widely depending on your specific policy. While we can’t guarantee what your plan will cover, here’s what insurance companies typically reimburse for:

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Individual Therapy

Most plans cover individual therapy sessions for mental health concerns like anxiety, depression, and trauma when deemed medically necessary.

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Family and Parent Support

Family therapy and parent consultations may be covered when they’re part of a treatment plan addressing a diagnosed condition.

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Assessment and Treatment

Initial assessments and ongoing treatment plans are often reimbursable, though coverage levels depend on your specific benefits.

Insurance Plans

Out Of Network

As a fee-for-service practice, payment is due at each session. We accept cash, personal checks, and major credit cards including Visa, MasterCard, and Discover. While we’re considered out-of-network providers, we’re happy to provide you with detailed receipts for insurance reimbursement.

  • Payment is required at the time of service to keep scheduling simple and sessions focused on your care

  • We provide detailed superbills with all necessary codes and information for submitting to your insurance for Out of Network

  • Many clients receive partial or full reimbursement from their insurance companies for out-of-network mental health services

Frequently Asked Questions

Understanding Your
Insurance Coverage

We know insurance can feel confusing. Here are answers to the most common questions we hear about coverage, payment,
and reimbursement.

Contact UsContact Us

Eligibility for outpatient therapy depends on your individual needs and insurance benefits. Flora & Associates offers outpatient therapy services to clients seeking mental health support for emotional concerns, relationships, or life challenges. You can contact your insurance company to confirm whether outpatient mental health therapy is covered under your plan.

Yes. Flora & Associates operates as a fee-for-service, out-of-network practice, meaning they are not in insurance panels. You can use them as an out-of-network provider and seek reimbursement from your insurance company. They will provide a superbill that you can submit to your insurer for possible reimbursement.

The out-of-network deductible is the amount your insurance plan requires you to pay out of pocket before your insurer begins reimbursing for out-of-network therapy. This amount is specific to your insurance policy and must be confirmed with your insurance company.

Flora & Associates cannot access your insurance deductible history. To find out how much of your out-of-network deductible you’ve met, contact your insurance company directly or check your online insurance portal.

Reimbursement rates for out-of-network therapy vary widely by insurance plan and policy. Some plans reimburse a percentage of the session cost after your deductible is met, but the exact percentage depends on your specific benefits, co-insurance, and policy terms. You’ll need to confirm reimbursement rates with your insurer.

Limits on the number of therapy sessions covered by insurance, especially out-of-network — are determined by your insurance policy. Some plans may have annual limits, while others may not. Contact your insurance company to understand any session limits that may apply.

You Don’t Have to Do This Alone

Support for Parents & Caregivers

A child’s crisis affects the entire family.

As part of this service, we provide crisis management support and practical guidance to help parents navigate difficult moments, understand recommendations, and create a plan for moving forward.

You do not have to figure this out alone.

Fast. Compassionate. Child-Centered. Most crisis assessments and school clearance evaluations are completed within 48 hours of scheduling, based on clinical need and availability.Fast. Compassionate. Child-Centered. Most crisis assessments and school clearance evaluations are completed within 48 hours of scheduling, based on clinical need and availability.