Insurance coverage
Out-of-Network Insurance Coverage
Calmora is an out-of-network provider with most insurance plans. If your plan includes out-of-network mental health benefits (often PPO or POS plans), you may be able to get part of your session fees reimbursed once your out-of-network deductible is met. Our Care Coordination team can help you understand your benefits and what to expect.
To confirm your out-of-network benefits, call the member services number on the back of your insurance card and ask how your plan covers out-of-network mental health providers. If you’d like help reviewing what they tell you, email us at hello@calmora.com or call (212) 555-0148. We’re glad to walk you through it.
We help you use your out-of-network benefits
Our fees
Our session fees reflect customary rates for licensed clinicians in New York. We accept credit and debit cards, including FSA and HSA cards. Superbills and receipts are available on request for insurance reimbursement or your own records, and self-pay clients receive a Good Faith Estimate before care begins.
Fees for individual sessions
$250-$350 for a 50-minute session
Fees for family & couples
$300-$400 for a 60-minute session
Fees for group therapy
$75-$150 for a 90-minute session
Book an appointment
Verify your coverage
Know Your Benefits Before You Begin
If you’d rather check your benefits yourself, call the member services number on your insurance card. A representative can explain your out-of-network mental or behavioral health coverage. Knowing this ahead of time gives you a clearer idea of what may be reimbursed.
When you call, you might ask:
- Do I have out-of-network mental/behavioral health benefits (PPO or POS)?
- Do I have an out-of-network deductible, and how much of it has been met?
- What percentage of the allowed amount will my plan reimburse?
- What is the allowed amount for outpatient psychotherapy (CPT code 90834)?
If you’d like help making sense of the answers, our Care Coordination team is happy to go through them with you.