Fees and Insurance
Equity Pricing
In order to address long-standing, deeply rooted structural obstacles to therapeutic services and increase access to care for those with financial barriers associated to racism, sexism, ableism, classism, etc., Inhabit Life uses an Equity Pricing model. While offering sliding scale rates is a long-standing practice of Inhabit Life in alignment with our values, this equity pricing models provides an opportunity to deepen and extend the work in a more systematic and sustainable way.
This three-tiered pricing model invites those with more financial stability and privilege to pay a higher rate to increase access for those with lower financial stability and resources.
Standard
Standard provides services at the current market rate of $175 per 50-minute session for individual therapy sessions and $195 for relationship and family therapy sessions. 25 and 85 minute sessions can also be arranged at a pro-rated fee. Rates for group therapy vary. This will be the default option and is appropriate for those able to sustain financial stability when incorporating the cost of therapy. It is also the baseline fee required for those wishing to use out-of-network insurance benefits (read more below).
Redistribution
Equity
Equity seeks to increase access to therapeutic support when the standard market fees would create a significant financial hardship by providing a reduced rate of $100-175 per 50-minutes for individual therapy and coaching and $125-195 for relationship and family therapy sessions. We choose to trust your discernment and do not verify income.
If the equity rates are still prohibitive, Inhabit Life maintains a few slots at rates below this level. Contact us to inquire about equity fee availability and learn more.
Insurance
Inhabit Life does not directly accept most insurances (we are certified with Tri-Care), so most clients must pay for sessions at the time of services. We have partnered with Mentaya to help more people afford therapy by using their out-of-network health insurance benefits for potential reimbursement of fees. For those with qualifying health insurance, it provides the flexibility to choose a highly-qualified therapist based solely on your needs and preferences.
What are out-of-network benefits and how to use them:
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Out-of-network benefits are insurance coverage for a portion of the cost when you see a healthcare professionals who do not have a direct contract with your insurance company.
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Unlike in-network providers who bill your insurance company directly, with out-of-network providers, you pay for the session at the time of service and submit a “superbill” to your insurance for reimbursement. A superbill is a receipt that includes a diagnosis code and insurance-required provider information.
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If you qualify, your insurance company will reimburse a percentage of the therapy fee, usually after you meet an out-of-network deductible. For example, after you meet a $1,000 deductible, your insurance may reimburse 50-80% of the session cost.
Insert your insurance information into the form below to check your benefits. If you qualify, you can manually submit the superbills according to your health insurance company’s requirements or submit them via Mentaya for a 5% fee per claim. Mentaya simplifies and streamlines the process by handling all necessary communications with your insurance company, guaranteeing successful submission, and accelerating reimbursement processing. Out-of-network reimbursement is available for those with qualifying insurance coverage who are paying market rate or higher for service.
Contact us with any questions.