Fees & Insurance
Our Payment Options
Assessment/Treatment Planning:
60 minute session $200
Individual Therapy
50 minute session $175
Couples Therapy
50 minute session $200
Family Therapy
50 minute session $200
Intensive Ind/Couple/Family Therapy
60 minute session $200
We do offer a limited number of reduced-fee spots for those in need. Some people pay privately because they do not have insurance or because their insurance does not cover our services. Others choose not to use their insurance for ethical reasons. Please see below if you’d like to know some of the reasons people choose not to use their medical insurance.
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In-network Insurance
All of our licensed therapists are on the following insurance panels:
Aetna, Anthem Medi-Cal (not Anthem Commercial), CalVCB (crime victims) Calviva, Cigna, Halcyon, Healthnet, MHN, Kaiser, Managed Health Network, Optum, and United Healthcare. Certain Licensed providers are also on Beacon, Blue Shield, Magellan, and Tricare.
All associate clinicians can see patients with:
Anthem Medi-Cal (not Anthem Commercial), CalVCB (crime victims) Calviva, and Cigna.
Note: You may have a deductible that must be met before your insurance will begin to pay for your therapy, and you may also have a copay. We will do our best to look into this for you and tell you what you responsibilities will be as far as fees.
If you have a PPO, your plan may have certain out-of-network benefits that your plan will pay, even if we are not on their panel. You may have an out-of-network deductible to meet and a copay. We would be happy to check into this for you and give you an estimate of what your fees would be for our services. We are also happy to bill out-of-network insurance for you, unless you have Blue Shield. They will only send payment to the patient, but we are happy to provide you the “superbill” required for you to submit for reimbursement.
We are an Original Medicare / Medicare Fee-for-Service provider. This means we are contracted with Medicare to provide services covered under Medicare Parts A and B. We can also bill out-of network for Advantage plans.
Why do some people choose not to use their insurance?
Mental Health (not illness) is their focus: Insurance companies require a diagnosis of mental illness - sometimes people come to therapy to improve their quality of life or relationships and may not want or need a diagnosis.
A focus on Prevention: It is a well-known fact that mental health treatment can prevent both mental and physical illness, but insurance only pays for treatment if it is “medically necessary”, which is determined by a diagnosis of a mental illness.
Concern about Permanent Records: A diagnosis can become a “pre-existing condition” in your medical record and could limit your ability to obtain certain types of insurance or employment.
Loss of Confidentiality: Insurance companies who are paying for treatment are allowed to access all of your records
Intensity and Frequency of Treatment: Insurance limits the length of each session, limits you to one of a certain type of service per day, and determines how long you may stay in therapy, due to the “medical necessity” requirement.
Loss of Choice/Control: When using insurance you are limited to a certain list of providers and may not be able to choose someone who is the best fit for your particular needs.
So, what to do? Many people have chosen to budget for their therapy in various ways, maybe attending therapy as self-care or date night instead of paying for an expensive restaurant or beauty treatments. Others set up Health Savings or Flexible Spending Accounts that allow money to be deducted from their paycheck pretax to be used for these services. Many say that paying privately for their therapy keeps them accountable to make good use of the time and they find creative ways to save the money to pay for it.
FAQs
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Our fees vary depending on the type and length of therapy session you choose. Individual therapy sessions are typically $175, while couples or family therapy sessions tend to. be $200 per session. Please contact our office directly for the most accurate and up-to-date pricing information.
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Yes, Olive Leaf Family Therapy is partnered with numerous insurance providers. However, coverage can vary greatly, so we recommend contacting your insurance company directly to verify if your plan covers our services and to understand your coverage details, including deductibles and co-pays.
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If we are not in-network with your insurance, you may still be able to receive services through out-of-network benefits. We can provide you with a superbill to submit to your insurance company for potential reimbursement. Please consult your insurance provider for more information about your out-of-network benefits.
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We believe in making therapy accessible and offer a variety of payment options for those without insurance or with plans that do not cover our services. This includes sliding scale fees based on income and payment plans. Please contact our office to discuss your options.
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Absolutely. Upon request, we can provide you with a detailed receipt (also known as a superbill) that you can submit to your insurance company for reimbursement, depending on your coverage.
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We make this process as simple and straightforward as possible for our clients, with payment being expected on the day of treatment.
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If it is necessary to cancel an appointment, clients are required to call or send a Spruce message, or leave a voicemail at least 24 hours before their scheduled appointment time. Cancellations made with less than a 24 hour notice significantly limit our ability to make appointments available for another client needing services. Olive Leaf Family Therapy has instituted the following policy:
1. Please provide our office a 24-hour notice in the event that you need to cancel or reschedule your appointment. This will allow us the opportunity to provide care to another client. A message can be left giving 24-hours’ notice.
2. A “No-Show”, “No-Call” or missed appointment, without proper 24-hour notification, may be assessed a $50 fee (the first $50 fee will be waived as a courtesy).
3. This fee is not billable to your insurance.
4. If you are 15 or more minutes late for your appointment without notice, this may be considered a no-show if your therapist does not hear from you, so please let us know if you are running late. The standard meeting time for psychotherapy is 53 minutes. It is up to you, however, to determine the length of time of your sessions. If you arrive late, your session will be shortened to allow the next client to begin their session on time. Requests to extend the 53-minute session need to be discussed with your therapist in order for time to be scheduled in advance.
5. As a courtesy, we provide reminder notification for appointments, one to two days in advance. Please note, if a reminder call or message is not received, the cancellation policy remains in effect.
6. Any new client who fails to show for their first scheduled appointment may be removed from the schedule unless there is an emergency and we hear from them within 24 hours.
7. Any established client who fails to show three times in a rolling three month period may be removed from the schedule and notified via phone and/or secure messaging. These clients will need to call the office each week to check for openings if they wish to continue treatment.
If you have any questions regarding this policy, please let our staff know and we will be glad to answer any questions you have.
Good Faith Estimate/No Surprises Act
Olive Leaf FamilyTherapy wants to provide you with the best quality care available, and part of our mission to you is being as transparent as possible, which is why we provide you with a Good Faith Estimate and support the No Surprises Act.
To learn more about the No Surprises Act, click here: No Surprises Act Video.
