What Are Your Payment Options?

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If you’re considering therapy and wondering whether your insurance will help cover the cost, you’re not alone. One of the most common questions we hear is: "Do you take insurance?" The short answer is no—but that doesn’t mean your insurance won’t help.

The better question to ask is: "What is your fee, and what will the likely net cost be to me?" That’s because many of our clients receive reimbursement from their insurance provider, even though we are an out-of-network (OON) practice.

Let’s break it down.

MACS is not empaneled with insurance companies. Instead, our clients pay us directly, and many choose to seek out-of-network reimbursement from their insurance company. This approach allows us to protect your privacy and offer the type of therapy that’s guided by your needs—not insurance rules.

For example, some insurance-based models prioritize short-term symptom relief and expect quick progress. In contrast, our practice can offer depth-oriented approaches like psychodynamic therapy, which are designed for longer-lasting transformation, not just quick fixes.

Another major benefit? 

Privacy. When you work with an in-network therapist, your insurance company may require access to your clinical records. With private-pay therapy, your information stays between you and your therapist.

Yes, many of our clients do get reimbursed. Here’s how:

• If you have a PPO plan, your insurance may reimburse you for a percentage of the cost—typically 60-70%—after you meet your deductible.
• United Healthcare PPO, CIGNA PPO, Blue Shield of CA PPO, Aetna PPO are all examples of insurance providers that have reimbursed 60-70%
• If you have an HMO, reimbursement may be possible through a Single Case Agreement (SCA). We’re happy to help you explore and request this option.

We make the process easier by:

• Providing insurance-friendly superbills with all the necessary codes and information.
• Automatically generating and delivering superbills to clients on a monthly basis.
• Offering on-demand downloads through our secure client portal.

We believe therapy should be financially accessible when possible. That’s why we offer:

• Sliding scale fees for qualified clients. If you're open to sharing basic income documentation, we’ll do our best to work with you.
• Acceptance of FSA and HSA cards, which many clients use to cover session fees.

We know insurance can be confusing. If you’d like help understanding your benefits or estimating your out-of-pocket costs, feel free to reach out. We're happy to walk you through it.