Insurance

Insurance & Reimbursement

At Novara Counseling, therapy is provided on a private pay basis, which means we do not bill insurance directly. Many clients are still able to use their out-of-network benefits to receive partial reimbursement for therapy sessions. This page explains how that works and includes a simple tool to help you check your benefits.

How Out-of-Network Benefits Work?

Most PPO insurance plans include out-of-network mental health coverage. Here’s the simple version of how it works:

1. You pay for your sessions up front.

2. You will receive a superbill (an electronic invoice) from us.

3. You submit the superbill to your insurance (or use Mentaya to do it for you)

4. Your insurance may reimburse you a percentage of what you paid, depending on your plan.

Your reimbursement amount depends on whether your plan includes out-of-network mental health coverage, your deductible, the percentage your plan reimburses once deductible is met, and the plan’s “allowed amount” for therapy services.

Many clients receive significant reimbursement - sometimes 40-80% once they meet their deductible.

Check Your Benefits Instantly

To make this process easier, we’ve partnered with Mentaya, a platform that checks your out-of-network benefits and estimates how much you could get reimbursed.

If you’d like to see what your insurance may cover, simply enter your information in the box below. It gives you a clear estimate in seconds and can even help you submit claims for you if you choose to.