Payment & Insurance

Simple, transparent care costs.

We want the financial side of therapy to feel as clear as the care itself. Below you'll find how insurance, out-of-network benefits, and self-pay work with us — plus a quick guide to estimating your own costs before you begin.

In-network

In-Network Health Insurance

We're in-network with the plans below. If your plan is listed, your sessions may be covered subject to your copay, coinsurance, and deductible.

BlueCross BlueShield In network
Blue Cross / Blue Shield — out-of-state plans must be PPO
Anthem — PPO or HMO plans
Carefirst — must be a PPO plan
Federal Employee Plans (FEP)
Please note: we do not accept Medicaid or Medicare plans.
Out-of-network

Out-of-Network Health Insurance

If we are not in-network with your insurance provider, you may still be able to receive partial reimbursement for therapy sessions, depending on your out-of-network benefits.

We will provide you with all of the necessary documentation — a detailed superbill — to submit to your insurance company for reimbursement.

Self-pay

Choosing to self-pay

Some clients choose to self-pay rather than use insurance — because we don't accept their plan and they lack out-of-network benefits, or simply because they wish to have more privacy.

Insurance companies require information about diagnosis, treatment plan, and services rendered with each claim, and they can place limits on the quantity and type of treatment they will cover. Self-pay ensures that personal information about your treatment stays private and is never shared with your insurance provider.

Inquire about our self-pay rates
Payment methods

Accepted forms of payment

Cards
VisaMastercardDiscoverAmerican Express
Tax-advantaged accounts
Health Savings Account (HSA)Flexible Spending Account (FSA)
Before you begin

Estimating the cost of therapy with insurance

To better understand what therapy may cost under your plan, call theMember Services number on the back of your insurance card.

Ask about your benefits foroutpatient mental or behavioral health services.

Ask about
Whether Virginia Therapy & Wellness and the clinician you are considering are in network — contact us for NPI numbers, if needed
Your copay or coinsurance
Whether your deductible applies and how much remains
Coverage for in-person and telehealth appointments
Any referral, prior authorization, or visit-limit requirements

Benefit information is only an estimate, not a guarantee of payment. Your final responsibility is set by your insurer after a claim is processed.

Common questions

Fees & insurance, answered

Still unsure how your coverage works? We're glad to walk you through it before your first session.

Contact our team

BlueCross BlueShield is the only insurer we are in-network with. If you have a different plan, you may still be eligible for out-of-network reimbursement, and we're happy to help you check.

You may be able to receive partial reimbursement through your out-of-network benefits. We provide a detailed superbill with everything your insurer needs so you can submit for reimbursement directly.

Fees vary by clinician and service. We're transparent about pricing before you book — reach out and we'll confirm your rate and help you understand what your plan may cover.

Yes. We accept Health Savings Account and Flexible Spending Account payments, along with Visa, Mastercard, Discover, and American Express.

Self-pay keeps information about your diagnosis and treatment private, since nothing is shared with an insurer. It also avoids the coverage limits insurers can place on the type and quantity of treatment.

Call the Member Services number on the back of your insurance card and ask about your outpatient mental health benefits. You can provide our group NPI, 1306523634, plus your clinician's individual NPI, to get an estimate.

Begin your journey

Questions about coverage
or cost?

Reach out and we'll help you understand your benefits, verify your plan, and find an option that fits — usually within a few days.

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