*How to Use Mentaya for Out Of Network Therapy Billing in Florida and Wisconsin*

Let’s be real: therapy is such a worthwhile investment, but it can feel a lot when you’re paying out of pocket. If you have out-of-network (OON) benefits but haven’t figured out how to use them (or didn’t even know they existed), don’t worry - you’re not alone. That’s where Mentaya comes in.

I’ve partnered with Mentaya to make it easier for my clients to get reimbursed by their insurance for therapy sessions. Whether you're just starting therapy or already working with me, this tool can help you make therapy more affordable and way less stressful.

What Are Out-of-Network (OON) Benefits?

If you have a PPO insurance plan, you probably have out-of-network mental health coverage. That means you can work with a therapist who’s not in-network (like me!) and still get reimbursed for a portion of your session fee usually 60–80%.

To get a personalized estimate of how much you'd get back per session, try Mentaya’s free OON benefits calculator below. It takes less than a minute and doesn’t affect your insurance.

How Mentaya Works With My Practice:

I want therapy to be accessible for you, not another thing on your already-full plate. Here are the options I offer:

I can submit your OON claims through Mentaya at no cost to you. You just say the word, and I’ll take care of the paperwork.
If you prefer to submit your own claims, I can provide a "superbill" after each session (this is like a detailed invoice). You'll upload it to your insurance company, and they’ll mail you a reimbursement check.

What You Can Ask Your Insurance Provider:

Before getting started, I recommend calling the number on the back of your insurance card under Member Services. Ask them the following questions:

Do I have out-of-network outpatient mental health coverage? Can I use these benefits for telehealth?
What is my out-of-network deductible?
How much of my deductible has been met this year?
Do I need a referral from an in-network provider to see someone out-of-network?
What percentage of outpatient psychotherapy sessions are reimbursed?
How much will I be reimbursed for a 45-minute session (CPT code: 90834)?
How do I submit claim forms?
How long does it take to get reimbursed?

How to Use Mentaya for Out Of Network Therapy Billing Florida Private Practice Therapy

Why This Matters:

If you’ve been putting off therapy because of the cost, I hope this helps you feel more empowered to get the support you need. Whether we’re working together or you’re still exploring your options, using OON benefits through Mentaya is one way to make therapy work for you.

And if you’re a client in Florida or Wisconsin, and you're ready to start therapy that’s customized, trauma-informed, and grounded in real connection, I’m here. Let’s make this process feel doable and aligned with your goals.

Reach out here to schedule a session or ask questions about using your insurance with Mentaya. You deserve support that fits your life and your budget.

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