Out of Network Insurance
Your Guide to Using Out-of-Network Benefits for Therapy
Simple, step-by-step help with superbills, reimbursement, and getting the support you deserve.
HERE'S THE TEA...
LET ME BE THE FIRST TO TELL YOU
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You are not broken.
Hey. I'm Jessica.
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Therapist
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Recovering people-pleaser
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and fellow black sheep who knows what it’s like to carry too much.
I work with the ones who look fine on the outside but are secretly spiraling on the inside. You’re overthinking every text, carrying everyone else’s expectations, and running on guilt. I help you call BS on the “shoulds,” drop the shame, and finally start living a life that feels like yours.
Being the "strong one" looks a lot like spiraling in silence and smiling like nothing's wrong.
Let's change that.
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HERE'S YOUR LITTLE VIBE CHECK
Out of Network Therapy
Was Made for You If…
You want a therapist who actually gets it—the people-pleasing, the anxiety, the “I swear I’m fine” energy.
You’re cool with paying upfront if it means getting 50–80% back and a little peace of mind.
You appreciate ease and love knowing someone else can handle the claim stuff for you.
You’re done with cookie-cutter care and want therapy that moves at your pace, not your insurance company’s.
Therapy doesn’t belong in insurance’s little boxes, and neither do you.
Here's How It Works
Therapy shouldn’t come with a side of paperwork.
Schedule your session
You focus on showing up, not stressing out.
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Pay for your session
You invest upfront in your mental health.
2
I’ll take it from here
I submit your claim through Mentaya.
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Get reimbursed
Your insurance sends you your money back. You celebrate with a latte.
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LET'S MAKE THIS EASY
What Out-of-Network Actually Means
Out-of-network (OON) therapy just means I’m not directly tied to your insurance company, but that doesn’t mean you can’t use your benefits. You pay for sessions upfront, and once you’ve met your deductible, your insurance starts reimbursing you.
Most clients get 50–80% of their session cost back, which means you can work with me, someone who actually gets your patterns and helps you move through them, and still save money in the process.
A Quick Example
Let’s say your deductible is $500 and my session fee is $220.
After about three sessions, you’ve met your deductible. From there, your cost per session could drop to around $44.
That’s therapy for less than your weekly coffee habit and a lot more life-changing.
The strain of trying to be everything for everyone, is fucking exhausting.
We're done with that BS.
Quickie Definitions
(in real people language)
Finding What Fits
Out-of-network therapy isn’t about making a “better” choice. It’s about making an informed one.
You might love the flexibility, privacy, and freedom it offers. You might also decide private pay feels simpler right now. Either way, the goal is the same: therapy that feels like a good fit for you and your life.
OUT-OF-NETWORK INSURANCE OPTION FOR REIMBURSEMENT
60 Minute Individual Therapy Session
$220
Most clients receive 50–80% reimbursement after their deductible is met. I’ll take care of the claim filing so you don’t have to think about it.
Prefer to keep things simple?
Reimbursement Calculator
NOT SURE IF YOU HAVE OUT-OF-NETWORK BENEFITS?
Use the calculator below and get an instant answer to your benefits questions.
Alright, let's clear some shit up...
If reading about insurance makes your brain want to take a nap, don’t worry. I’ve got you! These FAQs explain how out-of-network therapy works, what’s actually involved, and how I help make the process a whole lot easier.
