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.

1. Insurance requires a qualifying mental health diagnosis.

To bill Cigna or support an out-of-network claim, I need to document a diagnosis that supports the medical necessity of treatment. Some people don't mind this. Others prefer to keep insurance out of their therapy, particularly if they're considering future life or disability insurance and want control over what health information gets submitted for underwriting.

When you self-pay and don't submit claims for reimbursement, your diagnosis and treatment information are never sent to an insurance company.

2. Self-pay gives you greater privacy from insurance review.

When insurance is involved, the insurer can request your diagnosis, treatment plan, progress notes, or other clinical documentation to determine whether services are covered.

When you self-pay, that information stays out of an insurer's hands. Your records are still maintained and still subject to professional, ethical, and legal requirements, but no insurance company reviews your treatment.

3. Self-pay gives you more flexibility in treatment.

We make treatment decisions based on your goals, clinical needs, and progress, not an insurer's coverage requirements. Insurance plans can limit the number of sessions they'll authorize or the treatment approaches they'll cover, based on your specific plan and their medical necessity standards.

If you're unsure which option makes sense for you, you can request a free consultation and I'll walk you through the practical differences.

In-Network (Cigna Only)

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 January 1, 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 January 1, 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.