How do I know if I have out-of-network benefits?

The quickest way is the free benefits check on this page. It shows your out-of-network deductible status and estimated reimbursement in a few minutes, with no phone call to your insurance company. In general, PPO and POS plans are the most likely to include these benefits, while HMO and EPO plans usually do not.

Is marriage counseling covered by insurance?

Often it is not. Insurance plans generally reimburse the treatment of a diagnosed mental health condition, so counseling focused on the relationship itself is frequently excluded. Coverage varies by plan, so the benefits check and your free consultation are the best ways to know what applies to you.

Do I need a diagnosis to use my insurance?

To submit a claim, insurance companies require a diagnosis, and it becomes part of your insurance record. You do not need a diagnosis to begin therapy, though, and some clients choose to pay privately so their care stays outside their insurance record. Annie is glad to talk through what makes sense for you.

Can I file the claims myself?

Yes. If you prefer to submit on your own, Annie provides superbills through Thrizer and Mentaya so you can seek reimbursement from your plan.

Where can I find out what sessions cost?

Session fees are discussed during your free 20-minute consultation, and the benefits check gives you an estimate of what you might pay based on your specific plan. Final reimbursement is always determined by your insurance carrier after a claim is submitted.

Out-of-Network Therapy & Insurance

What It Means

What Out-of-Network Therapy Means for You

Annie Harton Kassell, LMFT, is not contracted directly with insurance companies, which makes her an out-of-network provider. That does not mean your insurance cannot help. Many PPO and POS plans include out-of-network mental health benefits that cover a meaningful share of each session once your deductible is met.

Working out-of-network also lets Annie shape your care around what you actually need, including how often you meet and how long you work together, rather than around what a plan will authorize.

Check Your Coverage

Therapy May Be More Affordable Than You Think

Check your benefits in minutes, with no phone calls and no commitment.

Annie works with clients through Thrizer, a platform built to make out-of-network therapy genuinely accessible. The benefits check shows your out-of-network deductible status and an estimate of your reimbursement in real time, based on your specific plan.

Once you begin, Thrizer submits your claims and handles the insurance follow-up for you. Annie receives her full rate, and you pay only your share, without waiting weeks for a reimbursement check or chasing paperwork.

There is no pressure and no commitment to run the check, and your information goes directly to Thrizer.

Results are estimates based on your insurance plan. Final reimbursement is determined by your carrier after claims are submitted.

For Couples

A Note About Marriage Counseling and Insurance

Insurance plans generally reimburse the treatment of a diagnosed mental health condition. Because marriage counseling focuses on the relationship itself, many plans do not cover it, even when they cover individual therapy.

Every plan is different, so the benefits check is still worth running. If couples work turns out not to be covered, you will know before your first session, and you can talk through your options with Annie during your free consultation.

Common Questions

Insurance Questions People Often Ask

A few things people want to know about cost before they reach out.

Does Annie take insurance?: Annie is an out-of-network provider, which means she is not contracted directly with insurance companies. Many PPO and POS plans include out-of-network mental health benefits, and Thrizer lets you apply those benefits to your sessions with the claims paperwork handled for you.
How do I know if I have out-of-network benefits?: The quickest way is the free benefits check on this page. It shows your out-of-network deductible status and estimated reimbursement in a few minutes, with no phone call to your insurance company. In general, PPO and POS plans are the most likely to include these benefits, while HMO and EPO plans usually do not.
Is marriage counseling covered by insurance?: Often it is not. Insurance plans generally reimburse the treatment of a diagnosed mental health condition, so counseling focused on the relationship itself is frequently excluded. Coverage varies by plan, so the benefits check and your free consultation are the best ways to know what applies to you.
Do I need a diagnosis to use my insurance?: To submit a claim, insurance companies require a diagnosis, and it becomes part of your insurance record. You do not need a diagnosis to begin therapy, though, and some clients choose to pay privately so their care stays outside their insurance record. Annie is glad to talk through what makes sense for you.
Can I file the claims myself?: Yes. If you prefer to submit on your own, Annie provides superbills through Thrizer and Mentaya so you can seek reimbursement from your plan.
Where can I find out what sessions cost?: Session fees are discussed during your free 20-minute consultation, and the benefits check gives you an estimate of what you might pay based on your specific plan. Final reimbursement is always determined by your insurance carrier after a claim is submitted.

Explore Annie's services

Questions about cost? Let's talk.

The first step is a free 20-minute consultation, where you can ask about fees, your benefits, and whether Annie is the right fit.

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