Payment Options for Mental Health Care

At The Well, we seek to help individuals, families, and the community experience spiritual, emotional, and physical healing and wellness. Financial coverage of mental health care can be confusing, so we’ve put together this guide to suggest options.

INSURANCE COVERAGE

Some of our providers accept insurance plans for psychotherapy. The Well’s providers each accept a range of insurance coverage options, including: Blue Cross and Blue Shield, Harvard Pilgrim, Mass General Brigham Employees Plan, United Healthcare, Tufts, Aetna, Cigna and Medicare. Check with The Well or your provider to see if your insurance plan is accepted. There are many details involved in the process of payment for the services you receive. In order for this process to flow smoothly, it is essential that you understand your mental health benefits.

Prior to scheduling your first appointment, you must call your health insurance company and ask about your mental health benefits. The number to call is on the back of your insurance card and is usually identified as “Behavioral Health.” Any information given to you by your insurance carrier should be presented to the provider as soon as possible to avoid any claim or payment issues. We suggest asking the following questions:

  1. What are my mental health benefits?

  2. What is my co-pay and/or deductible?

  3. Do I need a referral or prior authorization?

  4. Is the therapist I want to see covered by my plan?

SELF PAY OPTIONS

Like most wellness centers, our Counselors operate under a Fee for Service model. Rates for psychotherapy typically average $175 per 50-minute appointment. However, the final session fee is decided by each individual clinician and should be discussed prior to the first appointment. Depending on the type of counseling service, how often you meet, and your unique needs, your rate may vary. Speak directly with your provider to determine the appropriate fee for your services.

INSURANCE COVERAGE — Out of Network Provider

If the therapist you want to see at The Well does not accept your insurance plan, he or she may qualify as an Out-of-Network Provider. Insurance companies sometimes will reimburse you for visits not covered by insurance. Before making an appointment, call your insurance carrier to inquire about your Out-of-Network benefit, and ask if the therapist at The Well qualifies. Carefully note the requirements about seeing an Out-of-Network Provider, and speak with your therapist at The Well about the process.

FLEXIBLE SPENDING ACCOUNTS (FSA) or HEALTH SAVINGS ACCOUNTS (HSA)

A Flexible Spending Account (FSA) or Health Savings Account (HSA) is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You can use an FSA or HSA to pay for copayments, deductibles, and some other health care costs. You may be able to use your FSA or HSA to pay for visits at The Well. Call your FSA or HSA provider to see if mental health counseling visits qualify, and speak with your therapist about submitting payments with these accounts.

TANA KEATING FUND

The Tana Keating Fund was established at The Well to assist clients who are unable to afford the full cost of services. Thanks to many generous donors, we can provide financial assistance to families who are seeking care. If your application is approved, you typically pay a co-pay, and the Tana Keating Fund contributes the remaining balance to your Fee for Service. To apply for assistance through the Tana Keating Fund, speak with your provider. To contribute to the Tana Keating Fund, please complete our online donation form.

Please feel free to contact us with any questions. It is our hope that all clients seeking care at The Well are able to obtain services, and we are happy to help you navigate payment options for your care.