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Insurance & Payment

In Network:

We have clinicians who are in network with:

United Healthcare, Carefirst BCBS, and Cigna.

To find out about your deductible and copay, please call the number on the back of your insurance card before your first session and ask them: ​​

  • What is my deductible?

  • Does therapy count towards my deductible?

  • What is my copay for an outpatient individual therapist?

    • (CPT Codes 90791 and 90837)

If you have a high deductible, your responsibility per session will be the entire cost that insurance allows (often between $100 and $115). This is why it is important to ascertain if you have a high deductible prior to the first session, so that you are prepared for a potential cost.

Out of Network:

If you have a PPO, you likely have OON Benefits

  • You will pay your clinician directly after each session

    • You can use your HSA card to pay for sessions

  • Your clinician will provide you with an itemized invoice.

  • You will submit those invoices to your insurance provider.

  • You will receive full or partial reimbursement

    • This depends on your plan and policy.

  • We recommend calling your insurance prior to your first session
    to verify out of network benefits.

Questions to Ask Your Insurance Company

  • Do I have an HMO or a PPO?

  • Do I have out-of-network benefits?

  • What are the reimbursement rates for:

    • The first session? (CPT code 90791)

    • Subsequent sessions? (CPT code 90837)

  • What is my deductible?

  • Is pre-certification or pre-authorization required?

Self pay rates vary by clinician.

Payment is accepted via credit card (HSA/FSA card included)

Self pay rates range from $125 to $165

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No Surprise Act | Good Faith Estimate 

Under the No Surprise Act, Out of Network providers are required to give clients who don't have insurance or who are not using insurance, an estimate of the bill for medical items and services. Beginning in 2022, Rose Wellness will provide you with a written Good Faith Estimate before your first session with your therapist. 

For questions or more information about your right to a Good Faith Estimate, visit 

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