Rates and Insurance
What is the cost of services?
Our private pay rate is $150 per session.
If you plan to use Blue Cross Blue Shield (BCBS) insurance, your out-of-pocket cost will depend on your individual insurance plan. Copays, coinsurance, deductibles, and other benefits are determined by your insurance provider and may vary from person to person.
Before your first appointment, we will verify your benefits and discuss your estimated financial responsibility so you have a clear understanding of any expected costs. We believe in transparency and want you to feel informed and comfortable before beginning services.
Do you accept insurance?
Yes. We are in-network with Blue Cross Blue Shield of Alabama.
For all other insurance plans, we are considered “out-of-network”. Payment is due at the time of your session, and we will provide you with a monthly statement (superbill) that you may submit to your insurance company for possible out-of-network reimbursement.
Will my insurance reimburse me?
If you have Blue Cross Blue Shield of Alabama, your claims will be filed according to your in-network benefits. Your out-of-pocket cost will depend on your specific plan, including any copays, coinsurance, or deductible requirements.
If you have a different insurance plan, many clients receive reimbursement for 60–80% of their therapy costs after meeting their out-of-network deductible, depending on their benefits. We recommend contacting your insurance provider before beginning services to verify your coverage and reimbursement eligibility.
You may want to ask your insurance provider:
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What have I paid towards my out-of-network deductible?
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Do I have mental health benefits?
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What will I be reimbursed for counseling sessions?
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How do I submit my superbills for reimbursement?
What are the benefits of going out of network for therapy?
With the current insurance industry standard of care, many clients choose not to involve insurance companies in seeking a provider for their mental health care. Thus, their therapy is not determined by session limitations, diagnosis, and insurance companies’ review of their entire mental health record. Additionally, many insurance companies do not pay for other therapies outside of individual therapy, thus limiting the client’s ability to choose the best type of therapy for themselves, their child, and/or their family.
At The Collective Therapy Center, we truly believe in client-centered treatment and strive to provide the therapy that is clinically best for our clients. Instead of adhering to insurance limitations, we offer our clients the flexibility to set their own goals and be an active participant in their treatment plan. We allow our clients the privacy they deserve by not allying with any insurance providers; thus, our therapy records are not subject to Alabama compliance audits. It is at the client’s discretion to submit their Superbill to their insurance for reimbursement, in turn releasing confidential information to their insurance company.
As part of being out-of-network, we will not communicate at all with your insurance company and will not allow single-case agreements.