Therapy Fees, Insurance + Booking

My self-pay rates are $150 for a 50-minute session and $240 for an 80-minute session. We can discuss session length and what may fit your needs before scheduling.

Yes. I now accept Curative insurance, along with other select insurance plans. Please review the accepted insurance list and state details. Coverage depends on your specific plan, network status, location, and telehealth benefits. Benefits must be verified before services are billed through insurance.

For in-network care, you may be responsible for a copay, coinsurance, or an amount toward your deductible. Your cost depends on your plan’s benefits and the contracted rate. Available benefit information can help estimate your cost before the first session; your insurance company determines final coverage and payment.

Self-pay may be an option, depending on your plan and applicable billing requirements. If you prefer to pay directly, please let me know before your first session so we can review the options available to you.

A limited number of reduced-rate openings may be available based on financial need and current availability. If cost feels like a barrier, you are welcome to reach out to discuss available options.

A superbill is an itemized receipt used to request possible out-of-network reimbursement from your insurance company. It typically includes dates of service, fees, provider information, service codes, and a diagnosis code. Submitting it shares that information with your insurer.

If I am out of network for your plan, you pay for sessions directly. A superbill may be provided upon request for eligible services. You then submit it to your insurance company using its claim process. Check whether your plan requires an additional claim form, supporting documents, or submission by a specific deadline.

Reimbursement is not guaranteed and may cover only part of the fee. It depends on your out-of-network mental health benefits, deductible, coinsurance, and the amount your plan allows for the service. Your insurer may calculate reimbursement using an allowed amount that is lower than the fee you paid. Some plans do not cover routine out-of-network therapy.

For eligible sessions confirmed as in-network, services are billed through the appropriate insurance platform. You generally do not need to submit a separate out-of-network reimbursement request for those same sessions. A superbill for out-of-network reimbursement is used when I am not in network with your plan.

When you contact your insurer, these questions can help clarify your benefits:

• Is Jennifer French in network with my specific plan for online therapy in the state where I will attend sessions?
• Does my plan cover outpatient mental health care through telehealth?
• What deductible, copay, or coinsurance would apply?
• Do I need a referral or prior authorization?
• If the provider is out of network, do I have reimbursement benefits, and how is the covered amount calculated?
• How do I submit a claim or superbill, and what is the deadline?

If you do not have insurance or choose not to use it, you generally have the right to a written Good Faith Estimate of expected charges when you request one or schedule non-emergency care at least three business days in advance. It can help you understand expected costs before beginning therapy. Please reach out to request an estimate.

That is okay. Insurance and payment options can feel confusing, and you are welcome to ask questions. You can contact me or schedule a free 15-minute consultation to discuss your needs, ask about next steps, and explore whether working together feels like a good fit.