ACADEMY01Front-End Cost
Deductible
The amount you must pay out-of-pocket yourself before your insurance plan begins contributing toward therapy sessions.
02Fixed Rate
Copay
A flat rate fee you pay at every visit (e.g., $30/session) once your deductible has been fully met.
03Split Share
Coinsurance
A percentage of the session cost you pay (e.g., you pay 20%, insurance pays 80%) after meeting your deductible.
04Safety Cap
Out-of-Pocket Max
The absolute annual ceiling limit on your spending. Once reached, your health plan covers 100% of care.
05Reimbursement Doc
Superbill
An itemized receipt with CPT and diagnosis codes from out-of-network therapists submitted to insurer to request payback.
06Formal Request
Claim
A formal submission to insurance requesting payment/reimbursement for out-of-network care. Reimbursement goes straight to you.