Insurance & Payment

In-Network Insurance Plans

• Anthem Blue Cross Blue Shield

• Quest Behavioral Health

• Carelon Behavioral Health

• Aetna

• Cigna

Insurance eligibility and coverage vary depending on your individual plan.

Using Out-of-Network Benefits

If your insurance plan is not currently in-network, you may still qualify for partial reimbursement through your out-of-network benefits. Many insurance providers offer reimbursement for therapy services after claims have been submitted.

To help simplify this process, Carmen Garcia Therapy partners with Mentaya, a platform designed to assist clients with submitting and managing out-of-network reimbursement claims more easily.

Please keep in mind:

• Reimbursement amounts vary depending on your insurance plan

• Coverage and reimbursement are not guaranteed

• Deductibles, eligibility requirements, and coverage limitations may apply

Sliding Scale Options

A limited number of reduced-fee/sliding scale appointments may be available for clients experiencing financial hardship or significant financial constraints.

Sliding scale availability is limited and determined based on financial need as well as current availability within the practice.

Clients are encouraged to contact their insurance provider directly for specific details regarding out-of-network mental health benefits and reimbursement eligibility.

Self-Pay Rates

The standard self-pay rate for therapy services is:

$200 per 50-minute session

Payment is expected at the time of service unless alternative arrangements have been discussed in advance.

Sliding Scale Options

A limited number of reduced-fee/sliding scale appointments may be available for clients experiencing financial hardship or significant financial constraints.

Sliding scale availability is limited and determined based on financial need as well as current availability within the practice.

Supporting Accessible Care

Clients who are financially able also have the option to contribute above the standard session rate to help support broader access to reduced-fee therapy services for individuals experiencing greater financial hardship.

Carmen Garcia Therapy values creating a practice rooted in sustainability, accessibility, and community care whenever possible.

Payment Information

Accepted forms of payment may include:

• Credit and debit cards

• HSA/FSA cards

All payment information is securely processed and stored through HIPAA-compliant systems designed to protect client privacy and confidentiality.

If you have questions regarding insurance coverage, out-of-network reimbursement, sliding scale availability, or payment options, you are encouraged to reach out. We are happy to discuss available options and help determine what may feel most supportive and sustainable for your individual situation.