Insurance & Payment

At Rose Wellness, all clinicians accept Out of Network Benefits and some insurance companies (see below)


  • (If you have a PPO, you likely have OON Benefits)

  • Maranyely Beltran, LMSW is in network with Carefirst BCBS

  • Michael Foley, LGPC is in network with United Healthcare

Out of Network:

  • 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 out-of-network benefits?

  • What are the reimbursement rates for:

    • The Intake Session? (CPT Code 90791)​

    • The Subsequent Sessions? (CPT Code 90837)

  • What is my deductible?

  • Is pre-certification or pre-authorization required?

  • You will receive full or partial reimbursement

Self pay rates vary by clinician.

Payment is accepted via credit card (HSA card included)

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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