Billing FAQs

Insurance Plans Accepted

We are in-network with Blue Cross Blue Shield (PPO/Blue Choice), UnitedHealthcare, Cigna, and Aetna.  Our self-pay rate is $150 per session. For clients using out-of-network benefits, we can provide a detailed “superbill” that may be submitted to your insurance provider for potential reimbursement.  Please see our billing FAQ’s for more detailed information.  We recommend contacting your insurance company before beginning services to confirm your mental health benefits, including deductible, copay, coinsurance, and any authorization requirements.

What services may be billed?

Services may be billed under your treating therapist’s name or, when required by licensure or insurance guidelines, under a supervising licensed clinician. Billable services may include intake sessions, psychotherapy, family sessions, behavioral assessment/reassessment, coordination with outside providers, and other clinically appropriate treatment-related services. Some services may be billed monthly, so charges may not always appear on your statement on the exact date of service.

Common CPT codes may include:
90791 – Psychiatric diagnostic evaluation
90837 – Individual psychotherapy
90846 – Family psychotherapy without the patient present
96156 – Health behavior assessment/re-assessment
99484 – Care management services
90785 – Interactive complexity add-on
90887 – Coordination with outside stakeholders, such as schools, pediatricians, neuropsychologists, or higher levels of care

Why do my charges vary from visit to visit?

Charges can vary because different services use different billing codes, and insurance reimburses those codes differently. For example, an intake may be billed as 90791, ongoing therapy as 90837, and a parent or family session without the client present as 90846. In some cases, 90785 may also be added when clinically appropriate.

Ongoing therapy sessions billed under the same code are usually more consistent in cost, but charges may still vary if the service changes, claims are processed differently, or multiple sessions are grouped on one claim.

What am I responsible for paying and do you require a credit card on file?

Clients are responsible for all insurance-required patient obligations, including deductibles, copays, coinsurance, and any services not covered by insurance. If a claim is denied or not paid by insurance, the client remains responsible for the balance unless otherwise required by law or contract.

For self-pay clients, payment is due at the time of service. For clients using insurance, payment is due after the claim has been processed by your insurance carrier. This typically takes 3–25 business days.

All clients are required to keep a current credit or debit card on file in our HIPAA-compliant electronic health record, SimplePractice. Once insurance processes the claim, any patient responsibility is charged to the card on file. Failure to maintain valid payment information may result in interruption or termination of services.

Are there additional fees for paperwork or coordination outside of sessions?

If paperwork and/or coordination outside of session exceeds 10 minutes, there may be an additional prorated charge based on $150 per hour. We will try to bill insurance for these services when appropriate, but not all insurance plans cover collateral work. Examples may include research, placement coordination, professional consultation, advocacy, and accommodation paperwork for academic or other institutions.

How do I update my insurance or payment information, or ask a billing question?

Please update any insurance or payment changes as soon as possible through SimplePractice or by emailing info@sagecounselingco.com. For billing questions, please include your name and the date(s) or charge(s) you are referencing. Your therapist may also redirect billing questions to our billing email so our team can assist you directly.