How to Pay for Therapy

Credit or Debit Card

Be.WELL requires that you keep a current, active credit card on file to cover the cost of your session. You will be billed 24 hours after your session, and it is your responsibility to keep your card updated in your online portal.

HSA/FSA

We welcome you to use your HSA or FSA card to cover the cost of your sessions instead of a credit card. For 2024, the contribution limits are:

• Maximum HSA contribution: $3,850
• Maximum FSA contribution: $3,350

Please ask your employer if you have any questions or if your company offers these benefits. You can also use your HSA/FSA to pay for Mind-Body Coaching sessions, even though Mind-Body Coaching is not insurance reimbursable.

CARE CASH

Many major insurance companies offer a care cash benefit to their members. Check with your benefits department to see if this option is available with your benefits package. This benefit can be applied to your mental health coverage.

Out of Network Insurance Benefits

To help offset the cost of your sessions, we offer full-service in-house billing support. Here’s how we assist with your insurance:

1. We contact your insurance company before your first session to gather information such as your out-of-network deductible, reimbursement rate, and insurance policy.
2. If you have out-of-network benefits, you will need to satisfy your deductible before coverage starts. We will inform you of your deductible and help you create a payment schedule within your budget.
3. We bill “on assignment” for most insurance plans, meaning BeWELL will be reimbursed directly. We monitor your deductible and will reduce your out-of-pocket expenses once it’s met.
4. For plans that we do not bill “on assignment,” you will be informed prior to starting therapy. You will need to file your own claims, but we will provide a monthly Super Bill to assist with the process.
5. We will update you on your adjusted out-of-pocket rate once we bill for your first session. Insurance companies can take up to 30 days to process claims, so we ask for your patience. We may need your help with your insurance company if needed, but rest assured we have done as much as we can on your behalf.

THERAPY FUNDS

• Loveland Therapy Fund: Provides financial support to Black women and girls nationally. Find more information here: Loveland Therapy Fund
• Ask Your Tax Professional: Healthcare services might be tax-deductible. Consult your tax professional to see how you can account for the money spent when filing your taxes.