Insurance · Benefits · Fees
Let's talk aboutthe money part.
I know — nobody's favorite topic. Here's exactly how insurance works with my practice so there are no surprises before you even get started.
Aetna & United Healthcare (Optum)
I'm currently in-network with these two plans. I use Headway to handle all the insurance billing — so you'll know exactly what your copay will be before your first session. No surprises.
- Aetna
- United Healthcare / Optum
- Headway handles all insurance billing on my end
- You'll know your exact copay upfront
- No extra paperwork for you
All other insurance plans
Most PPO plans include out-of-network benefits. Depending on where you are in your deductible, Thrizer may cover the session cost entirely — and you'd only owe your coinsurance. Thrizer makes the whole process automatic.
- Most PPO plans reimburse 40–80% of session fees
- Once your deductible is met, you may only owe coinsurance
- Thrizer handles the superbill and submission — automatically
- Reimbursement goes directly to you
- No phone calls, no paperwork on your end
How out-of-network reimbursement works
Thrizer handles everything. You just show up.
No phone calls to your insurance company. No confusing paperwork. No chasing reimbursements. Thrizer automatically submits your superbill, tracks the claim, and sends reimbursement directly to you. I use Thrizer specifically so that out-of-network benefits are as easy to use as in-network ones.
Common questions
What if I don't have Aetna or United?
Check your out-of-network benefits using the tool above — most PPO plans cover a meaningful portion of therapy fees. If you're not sure what you have, call the member services number on the back of your insurance card and ask: "Do I have out-of-network mental health benefits? What is my deductible, and what is my reimbursement rate for CPT code 90837?" Those three questions will tell you everything you need to know.
Do I actually have to deal with insurance myself?
No. That's exactly what Thrizer is for. Once you're set up, Thrizer handles the superbill submission and tracks your reimbursement automatically after every session. You don't make calls, fill out forms, or follow up — Thrizer does all of it.
What if my insurance doesn't cover much?
Let's talk about it. Don't let cost be the reason you don't reach out — there are options worth a conversation. Reach me at alyssa@sensiblehealingtherapy.com and we'll figure something out.
How quickly does out-of-network reimbursement come back?
It varies by plan, but most reimbursements process within 2–6 weeks. Thrizer tracks the status of every claim so you always know where things stand — no guessing, no chasing.
Is there a fee to use Thrizer?
Thrizer charges a small percentage of the reimbursement they recover on your behalf — so there's nothing out of pocket upfront. You only pay if they successfully get money back for you, which means their incentive is fully aligned with yours.