Fees & FAQs

All About Insurance

At Renovating Hope Counseling—like over 80% of therapists nationwide—we operate as an out-of-network provider, which means that we don’t bill your insurance directly. 

That doesn’t mean you’re out-of-luck, though; a lot of our clients qualify for partial to full reimbursement of what they pay for a session if their health plan includes out-of-network benefits (particularly for mental health). Our estimates are that clients receive 25–80% of their session costs back. And we’re here every step of the way to help you navigate the process. 

Why Work with an Out-of-Network Therapist?

Being out-of-network allows us to focus on what matters most: YOU. Without the limitations and annoying red tape that usually come with in-network coverage, we’re able to tailor your therapy experience to fit your specific needs—not what some dude at an insurance company thinks you qualify for.

Out-of-network support often means:

• More personalized, flexible care tailored to your needs and goals — not insurance limitations.

• More availability — including early morning, evening, and intensive session options.

• Deep expertise and training, because our therapists are free to invest in ongoing education and specialization without being limited by low insurance reimbursement rates.

• Fewer hoops to jump through, meaning we can focus fully on your growth, not navigating the hellscape that is the American healthcare system.

How Reimbursement Works

Navigating insurance reimbursement can be a total headache sometimes, but we’re here to help make it simple and straightforward. Here’s what the process typically looks like:

1. Pay for Your Session Up Front
   After each appointment, your card on file will be charged. We accept all major credit and debit cards, as well as FSA/HSA cards.

2. Request a Superbill or Allow us to Submit with Mentaya

   Let your therapist know you’d like to receive superbills once you get started. At the beginning of each month, we’ll email you a detailed superbill showing the services you received during the prior month — essentially a professional receipt for your insurance company.
   *Note: In order to generate a superbill, your therapist will assign a mental health diagnosis code (more on that below). This is required for insurance reimbursement.

3. Submit Your Claim You’ll submit the superbill to your insurance provider, either through their online portal or by using a third-party app like Mentaya, which simplifies the process.

4. Your Insurance Company Processes the Claim Once your claim is received, it will be applied toward your out-of-network deductible. After that deductible is met, your insurance will begin to reimburse you based on what they call the “allowed amount” — that’s the portion of your session fee they consider eligible for reimbursement (which may sometimes be less than what you paid). You’ll receive a check or direct deposit with your reimbursement amount, usually within a few weeks to a couple of months.