Fee

In-Network Coverage Via Headway 

I accept insurance! 

Currently In-network with

Aetna,Anthem/Empire, Blue Cross Blue Shield (BCBS), Oxford, Oscar, United Heathcare (Optum), United Healthcare Medicare Advantage, Anthem EAP-Bank of America, Carelon Behavioral Health, and Quest Behavioral Health 

Visit the link below to verify your eligibility and specific cost per session (copay/deductible).  

https://headway.co/providers/stella-inyoung-lee?utm_source=pem&utm_medium=direct_link&utm_campaign=109992

Out-of-Network Coverage

Many insurance plans offer out-of-network benefits, which could reimburse you for a portion of your therapy costs. I can also provide superbills for out-of-network reimbursement. 

Click the link below to a website verify your out of network benefits to see what you will be reimbursed by your insurance company. 

https://calculator.meetnirvana.com/

Why Choose to use Out-of-Network coverage for therapy 

• Greater Flexibility: Out-of-network therapists are not bound by insurance restrictions on session length, frequency, or treatment methods, allowing for a tailored therapy experience.

• Therapist Specialization: Many excellent providers choose to remain out-of-network so they can specialize in their area of expertise.

• Privacy: Since I don't bill insurance directly, your sensitive mental health information remains confidential without being shared with insurance databases.

Key Questions to Ask Your Insurance Provider

• Do I have out-of-network mental health benefits?

• What percentage of the cost of each session will be reimbursed?

• Is there a deductible for out-of-network services, and if so, has it been met?

• Is there an annual limit on the number of sessions or reimbursement amount?

• How do I submit claims for reimbursement?

The Reimbursement Process

1. Superbills: After each session, I will provide you with a "superbill" – a detailed invoice containing all the necessary information for your insurance company.

2. Submitting Claims: You will typically submit the superbill directly to your insurance company, either online or by mail. Please check with your provider for their specific claims process.

3. Reimbursement: Your insurance company will process the claim and reimburse you according to your plan's out-of-network coverage.