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Lighthouse Counseling Solutions
Lighthouse Counseling Solutions

Therapy Rates & Insurance

We believe mental health care should be transparent and accessible. Here is a clear, straightforward breakdown of our counseling fees and accepted insurance networks.

How Much Does Insurance Cover for Therapy?

Most health insurance plans cover a percentage of mental health services, in-network insurance typically ranging from 80% to 100%. The average cost of therapy with in-network insurance is between $20 and $50 per session, depending on your health plan's copay. This coverage extends to therapy sessions, counseling, and psychiatric consultations. It's essential to review your insurance policy or speak with a representative to understand the exact percentage covered by your plan.

Let us know your insurance information and we will find out for you.

Is There a Separate Copay or Deductible for Mental Health Services?

Copays and deductibles are both fixed amounts of money that you pay for covered health services under most health insurance plans:

 

  • Deductible is the amount you pay before your insurance company starts sharing costs for the year. For example, if your plan's allowable cost for a therapy session is $100 and your copay is $20, you'll pay $20 if you've already met your deductible, or $100 if you haven't.

     

  • Copay is a set fee you pay for certain services, like a therapy session or doctor's visit. Copays are usually charged after you've met your deductible, but sometimes they're applied immediately. The amount of the copay often depends on the type of service. 

     

  • Coinsurance is the percentage you’ll pay for treatment if you have reached your deductible. Plans often have different coinsurance percentages depending on if your provider is in-network or out-of-network (these are higher out-of-network). If your coinsurance is 10% for an in-network therapist and the cost of therapy is $100, this means you’ll pay $10 a session after you’ve met your deductible.

     

  • In-network vs. out-of-network. Insurance companies make deals with providers to include them in their insurance plans. Those who are in a plan’s network will accept your insurance. You will still be responsible for payment, but it will likely be lower depending on your plan’s specifications. Practitioners who are out-of-network will have to be paid out of pocket by you. The difference is that your insurance plan will likely only offer a reimbursement, or, if you’ve met your deductible and your plan allows for it, will contribute coinsurance or a copay.

In-Network Insurance Providers

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Find out your insurance coverage for Mental Health

Blue Shield of California
Cigna Health Care
Optum Health Care
Aetna Health Care
Health Net Health Insurance
United Healthcare
First Health
Carelon Health Care
CCHP Health Plan
Covered California
Medi-Cal
Employee Assistance Program
Student Health Insurance
Monlina Healthcare

Out-of-Network & Superbills

If you have a PPO insurance plan that we are not currently in-network with, you may still be able to get a massive portion of your sessions covered. We provide a monthly document called a Superbill that you can submit directly to your provider for reimbursement.

1. What Exactly is a Superbill?

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A superbill is not a standard receipt. It is a highly specialized, medical document generated by a therapist that contains the exact technical data an insurance company requires to process an out-of-network claim.

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Think of it as a pre-packaged claim form. Instead of you billing the insurance company directly, the client pays your cash rate at the time of the session. At the end of the month, you give them a single PDF (the Superbill), and they upload it to their insurance portal to get paid back directly via check or direct deposit.

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