Match with a therapist

Insurance and Payment FAQs

Can I use my insurance to pay for sessions?

Yes. Our therapists are currently in-network with Aetna, Anthem (Blue Cross Blue Shield), Apostrophe Health, Bright Health, CareFirst (Blue Cross Blue Shield), Cigna, Friday Health Plans, Kaiser Permanente, and UnitedHealthcare (Optum, Oscar, and all affiliates).

They are also in-network with Cigna EAP and United EAP, as well as Medicare in Colorado through Aetna Medicare Advantage, Anthem Medicare Advantage, Bright Health Medicare Advantage, Fee-for-Service (FFS) Medicare, Kaiser Permanente Medicare Advantage, and UnitedHealthcare Medicare Advantage.

Unfortunately, our therapists are not currently in-network with Medicare outside of Colorado, Medicaid, or Tricare. For the most up-to-date information, see the full list of accepted insurance providers by state here.

If I’m using my insurance, why do you need my credit card information?

Sometimes insurance benefits don’t cover the full cost of a session. Every insurance plan varies, and depending on your plan, you could be responsible for certain fees like copays, coinsurance, and deductibles.

It’s important to check with your insurance provider directly to understand your plan and coverages. The best way to avoid any surprises is to call the number on your insurance card before your therapy session. Be sure to ask about mental & behavioral health benefits, as those can differ from other medical benefits.

We also need your credit card information in case you do not show up to your session. If your session is not cancelled or rescheduled at least 24 hours prior to the original session date and time, you may be charged a no-show fee. These fees can be up to the full session cost.

To avoid no-show fees, be sure to cancel or reschedule your appointments at least 24 hours in advance. You can cancel or reschedule appointments directly with your therapist.

Will you let me know what I owe before my credit card is charged?

Always. If you're responsible for any payment, we'll let you know by email three calendar days before any charges.

We keep your credit card information securely on file just in case you are responsible for any copays, coinsurance, deductibles, or no-show fees. And, if you choose to pay for sessions without using insurance.

How do I use my Employee Assistance Program (EAP) benefits?

If you’re using an EAP, you’ll normally have a certain number of free sessions. To use your free sessions, call your EAP company ahead of time and let them know you’ll be seeing a SonderMind therapist. They will give you an authorization number which you can enter when you complete your account, or tell us before your first session at 844-THERAPY or support@sondermind.com.

Once you’ve used your free sessions, you can choose to continue using your insurance, or not. We offer competitive rates for those who aren’t using insurance. You can expect to pay an average of $85 per hour to see one of our licensed therapists. The exact cost depends on the length of the session you agree on with your therapist.

What is a copay?

A copay is a fixed out-of-pocket fee, set by your insurance plan, and applies to certain medical treatments or medications. The copy for therapy sessions typically ranges from $20-$45, but this varies depending on your plan. 

It’s important to check with your insurance provider directly to understand your plan and coverages. The best way to avoid any surprises is to call the number on your insurance card before your therapy session. Be sure to ask about mental & behavioral health benefits, as those can differ from other medical benefits.

What is a deductible?

A deductible is the fixed amount of money, set by your insurance plan, that you pay for covered health care services before your insurance begins to pay. For example, you could have a $1,000 deductible annually, in which case each year your insurance provider will not start to pay for covered services until you meet the $1,000 out-of-pocket deductible. If you have not met your deductible yet for the year or policy term, you would be responsible for the entire therapy session fee until the deductible is met.

What is coinsurance?

Coinsurance is the amount your insurance plan requires you to pay for covered health care services once your deductible is met. It’s typically expressed as a fixed percentage. For example, you could have a 20% coinsurance, meaning if your session is $100 and you’ve met your policy deductible, you would pay $20 and your insurance would cover the remaining 80%.

How does SonderMind determine what I owe?

After each session, your therapist will submit a bill. We review each bill as it is submitted. If you aren’t using insurance, we’ll process the bill using your credit card on file. We’ll send you an email three calendar days before the charges are made. 

If you are using your insurance, we'll always submit a claim to the insurance plan on file first, before charging you. Typically, once that claim is submitted, your insurance provider determines what amount they will cover and what amount you owe. If you're responsible for any payment, we'll let you know by email three calendar days before any charges. 

It’s very important to make sure you select the correct insurance provider in your portal and that we have the most up-to-date insurance card for you on file. If we have the wrong insurance information, you'll pay the full session cost—an average of $85 per hour. Remember, the best way to avoid any surprises is to call the number on your insurance card before your therapy session.

What if I don’t have insurance or don’t want to use my insurance?

We offer competitive rates for those who aren’t using insurance. You can expect to pay an average of $85 per hour to see one of our licensed therapists. The exact cost depends on the length of the session you agree on with your therapist.

I need to cancel a session, what is your cancellation policy?

If you need to reschedule or cancel a session, please contact your therapist directly at least 24 hours before the scheduled session time. Otherwise, you may be subject to a cancellation or no-show fee, which can be up to the full session cost.