FEES & INSURANCE
Effective Therapy
Orinda | East Bay
Online California
Offering flexible options for in-network and out-of-network insurance, for easier accessibility
Payment Options
Sessions are $180 for a 50-minute session.
If you're unsure about getting started, a free 20-minute consultation gives you the chance to ask questions and see whether it feels like a good fit, no pressure, no commitment.
We accept cash, checks, major credit cards, and HSA/FSA cards. Payment is due at the time of service.
If you're using out-of-network insurance benefits, we can provide monthly statements for you to submit to your insurance provider for possible reimbursement.
Insurance Accepted
In-Network Benefits:
Bountiful Health is considered in-network with the following providers for reimbursement purposes. We provide a transparent flat fee, no surprise billing, and full support.
Aetna
Cigna
Optum
UnitedHealthcare
If you're covered by one of these plans, your sessions may be partially or fully reimbursed depending on your benefits.
Out-of-Network Benefits:
If we’re not in-network with your insurance provider, you may still be eligible for partial reimbursement through out-of-network benefits. Many PPO plans cover a portion of therapy fees, often reimbursing 50–80% after your deductible is met.
We’re happy to provide a monthly detailed statement that you can submit to your insurance provider for potential reimbursement.
Curious about the benefits of seeing an out-of-network therapist?
Working with an out-of-network therapist can give you more freedom to choose someone who truly feels right, more privacy in your care, and more flexibility in how your therapy is structured. For many people, that added sense of choice ends up mattering more than the difference in cost.
Verifying Your Insurance Coverage
Helpful questions to ask your provider:
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Many plans offer mental health benefits, but coverage can vary. This question helps you confirm whether therapy sessions are included and if there are any limitations on the type of therapy or provider you can see.
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Certain plans may require approval from your insurance company before therapy is covered, even for out-of-network providers.
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Your deductible is the amount you need to pay out-of-pocket before your insurance begins covering services. Knowing this can help you understand what you’ll owe per session, especially early in the year.
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Some insurance plans cap the number of covered therapy sessions annually. It’s important to know if your plan limits access and whether additional sessions can be approved if needed.
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Certain plans require a referral from your primary care doctor or prior approval before starting therapy. This step ensures sessions will be covered, so it’s worth checking before you begin.
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This tells you if your plan will reimburse therapy sessions with a provider who is not in your network.
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Some plans reimburse a fixed percentage (like 60–80%), while others use a specific rate based on the provider’s or insurance company’s fee schedule.
Private Pay Session Fees
If you're not planning to use insurance, the session fee is $180 for a 50-minute session.
A free 20-minute consultation is available if you'd like to ask questions before committing to anything.
Cancellation Policy
If you need to cancel or reschedule, please provide at least 24 hours' notice to avoid being charged for the session.
Cancellations made with less than 24 hours' notice may be subject to the full session fee, as that time is held specifically for you.
Emergencies and unforeseen circumstances happen. If something comes up, please reach out, exceptions can be made on a case-by-case basis.
