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As a licensed psychotherapist and private practice owner, I often hear concerns about the cost of therapy, especially when deciding whether or not to begin. While most people understand the importance of prioritizing mental health, they also find themselves faced with its financial impact, especially when a provider is out-of-network.
The good news is that now there’s an easy solution to help you work with your therapist of choice, while significantly reducing your out-of-pocket costs.
How does this work? Most insurance plans include something called out-of-network benefits and many people don’t understand what that is or how to use it effectively. Out-of-network benefits means your insurance plan will help you pay for psychotherapy services with any provider of your choosing. The way that it works is you typically pay the therapist their session fees upfront, then submit a superbill to your insurance company for reimbursement in order to use those out-of-network benefits. However, navigating this process can be confusing and time-consuming, even overwhelming when you’re already struggling to manage your anxiety and other mental health challenges.
That's where Mentaya comes in. Mentaya is a service that handles the entire insurance reimbursement process for you, helping you maximize your out-of-network benefits while saving you time, money, and frustration.
Here's how it works:
Simple Submission Process: Mentaya replaces the superbill function— no more complicated forms or directly dealing with insurance companies. Instead, all you have to do is create an account and connect it with your therapist. Your provider will verify sessions on their platform and Mentaya will take care of the rest.
Expert Claim Filing: Mentaya’s team of insurance experts will file your claims automatically and advocate for you should any issues arise when dealing with your
insurance company. Mentaya will make phone calls on your behalf, track down payments, and resubmit claims if necessary, helping you every step of the way.
Many clients have been pleasantly surprised to discover that using their out-of-network benefits means they get back 50-80% of their therapy costs. With Mentaya handling the process, they're actually getting these reimbursements consistently and hassle-free, rather than giving up after a few frustrating attempts at filing superbills themselves.
The other day, I was on a local Facebook moms group when I saw a post asking if anyone knew of “a therapist who specializes in treating anxiety and complex trauma that didn't cost an arm and a leg out-of-pocket." I see this faulty assumption often– people jump to the conclusion that they won’t be able to access specialized care because of the cost.
The current issue is a knowledge gap. Since insurance premiums often include out-of-network benefits, people can choose a therapist with the specialization they need, instead of choosing a random therapist from their insurance company directory.
The mom seeking treatment for anxiety and complex trauma can probably afford specialized care, once using Mentaya to help her apply her out-of-network benefits. As a healthcare provider, I want everyone to know they have more choices than they may have originally realized. Mentaya can help you access specialized care affordably, without the added worries of financial stressors.
When you focus on recovering from anxiety or complex trauma, the last thing you want to do is add the burden of insurance paperwork. By removing the financial and administrative barriers, Mentaya helps make mental healthcare more accessible, so you can focus on your healing and growth. In my private practice, I'm committed to providing a safe, warm, empathic space where clients can work through difficult feelings and topics. Removing obstacles upfront and making things easier for my clients lets them know I’m on their side.
If you're considering therapy but have concerns about the costs, I encourage you to do the following:
1. Check your insurance plan's out-of-network benefits for mental health 2. Consider how Mentaya can help you use those benefits
3. Remember that investing in your mental health is some of the best money you’ll ever spend (at least according to my clients!)
Your therapeutic journey and growth should not be hindered by financial concerns. With help from Mentaya, quality mental healthcare may be more accessible than you think.
If you are ready to try therapy and learn how Mentaya can help make it more affordable, feel free to contact me for a free consultation. In my private practice, I treat adults with anxiety disorders and complex trauma. You are welcome to learn more at https://clearwatercounseling.services/
