Interactive Mind Counseling is a private-pay and out-of-network practice. I do not bill insurance directly and am not in-network with insurance plans. Clients pay for sessions directly at the time of service. Many clients use HSA/FSA funds or out-of-network insurance benefits to help pay for therapy. I can provide superbills for clients who would like to seek possible reimbursement from their insurance plan.
Fees & Insurance
Private-pay therapy in San Francisco and online throughout California.
Private-Pay & Out-of-Network Therapy
Private-pay therapy allows treatment to remain focused on your needs, goals, privacy, and clinical progress.
Because I do not bill insurance directly, treatment decisions are not shaped by insurance authorization, session limits, or third-party review. This can be especially important for clients who value privacy, flexibility, and a more personalized therapeutic relationship.
For clients who have out-of-network benefits, I can provide superbills that may be submitted to insurance for possible reimbursement.
Session Fees
Current session fees are reviewed during the free 10–15-minute video consultation and confirmed in writing before therapy begins.
Before scheduling a first paid session, you will know the session fee, payment expectations, cancellation policy, and relevant practice policies. These details are also included in the informed consent paperwork
Payment
Payment is due at the time of session. Credit cards, debit cards, HSA cards, and FSA cards are accepted.
I do not bill insurance directly. If you would like to use out-of-network benefits, I can provide a superbill that you may submit to your insurance plan for possible reimbursement.
Some clients are able to receive partial reimbursement from their insurance plan through out-of-network mental health benefits.
The general process is:
You pay for each session directly.
I provide a superbill with the information insurance companies typically require.
You submit the superbill to your insurance plan.
Your insurance company determines whether reimbursement is available based on your specific benefits.
Reimbursement is not guaranteed and depends on your insurance plan. I recommend contacting your insurance company directly before beginning therapy if you would like to understand your out-of-network benefits.
Using Out-of-Network Benefits
If you are considering using out-of-network benefits, you may want to ask your insurance company:
Do I have out-of-network benefits for outpatient mental health therapy with a licensed psychologist in California?
Do I have an out-of-network deductible?
How much of my deductible has been met?
What percentage of the allowed amount is reimbursed after the deductible is met?
Is there a limit on the number of sessions covered?
Do I need prior authorization?
How do I submit a superbill?
Questions to Ask Your Insurance Company
If you are uninsured or choosing not to use insurance, you have the right to receive a Good Faith Estimate of expected charges before beginning services.
A Good Faith Estimate is available upon request and will be provided as required before scheduled services. The estimate is not a contract and does not require you to begin therapy.
You may also receive information about session fees, payment policies, and expected charges during the consultation and in the informed consent paperwork before therapy begins.
Good Faith Estimate Notice
Ready to Begin?
If you are looking for thoughtful, evidence-based therapy for anxiety, overthinking, relationship stress, trauma, identity concerns, or major life transitions, I invite you to schedule a free 10–15-minute video consultation.
Frequently Asked Questions (FAQs)
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The central reason is maintaining client autonomy and confidentiality. It ensures that clinical decisions about the type, length, and goals of treatment are determined solely by the client's needs and the clinician's judgment, not by third-party cost-control measures.
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I will issue you a detailed superbill after each payment. You then personally send this receipt to your insurance provider. They will process the information and directly send any applicable reimbursement amount back to you based on your plan’s specific coverage.
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If you pay privately and do not submit a claim or superbill, Interactive Mind Counseling does not send any information about your treatment to an insurance company. If you request a superbill, it will generally include diagnostic and billing information, and your insurer may request additional documentation when reviewing your claim.
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Yes. Counseling fees are generally categorized as qualifying medical expenses. You can often use dedicated tax-advantaged accounts like a Health Savings Account (HSA) or a Flexible Spending Account (FSA) to pay for sessions using pre-tax funds.