Frequently Asked Questions | Wellcore Healing

In-Network Coverage

I am currently in-network with Cigna Health Insurance.

Out-of-Network (OON) Coverage

I am an out-of-network provider for most major insurance plans, including Blue Cross Blue Shield, Anthem, Aetna, UnitedHealthcare, and Optum. Many clients use their out-of-network benefits to offset the cost of therapy. Depending on your plan, your insurer may partially or fully reimburse you for sessions.

If you're considering this route, I recommend calling your insurance provider before scheduling and asking specifically about reimbursement for out-of-network behavioral health services provided via telehealth. If you move forward, I'll provide a Superbill, an itemized receipt you can submit directly to your insurer for reimbursement.

Have questions about whether this could work for your plan? Book a Free Consult and we can talk through it.

Want to learn more?

Schedule a consultation or reach out with any questions.

It's a fair question, and one I think is worth answering honestly. Here are the three most important reasons many of my clients choose to go the self-pay or out-of-network route.

1. Insurance requires a formal mental health diagnosis, which becomes a permanent part of your medical record.

To bill your insurance, I would need to assign you a clinical diagnosis. For some people, this is a non-issue. For other clients, particularly those in sensitive careers or anyone thinking about future life insurance coverage, a permanent psychiatric diagnosis can have real implications. You are more than a diagnosis, and I want our work together to reflect that.

2. Using insurance can affect your confidentiality.

Beyond the diagnosis requirement, insurance companies can request additional details about your treatment. When you pay out-of-pocket or out-of-network, what happens in our sessions stays between us, not between us and a managed care reviewer.

3. Insurance plans can limit the type and length of treatment you receive.

Insurers can restrict the number of sessions you're approved for or the treatment approaches they cover. Self-pay gives us the flexibility to work in the way that's actually right for you, not whatever a plan has decided is standard.

Cigna Clients

Your cost depends on your individual Cigna plan. Contact your insurance provider and ask about your benefits for routine outpatient mental health therapy delivered via telehealth. Rates are subject to change based on contracted rate adjustments, and you'll always be notified in advance of any changes.

Self-Pay Clients

$200 per 50-minute session (effective 01-01-2026)

Rates are subject to change, typically at the start of the new year. You'll always receive advance notice of any upcoming changes.

Out-of-Network Clients

$200 per 50-minute session (effective 01-01-2026), before any out-of-network reimbursement from your insurer.

Because every OON plan is different, I encourage you to confirm your specific benefits directly with your insurance provider. See the question above for guidance on how to do that.

Rates are subject to change, typically at the start of the new year. You'll always receive advance notice of any upcoming changes.

I accept cash, check, credit card, and HSA. Use whatever works best for you.

Credit card payments are processed through Stripe, a PCI-compliant platform that keeps your payment information secure and your confidentiality protected.

Under the No Surprises Act, you have the right to receive a Good Faith Estimate of expected costs before starting services. As a provider working with uninsured and self-pay clients, I provide a written Good Faith Estimate that outlines the anticipated cost of your therapy sessions based on the information available at the time of your request. If you have questions about your estimate, please don't hesitate to ask.