INSURANCE & RATES
Rates for Therapy
Therapy with
Dr. Jesse Smith
$175
for 50 minute session
​
$260
for 80 minute session
(couples/families)
Insurance
Contact your insurance directly to determine your responsibility.​
Therapy with
Associate Therapists
$150
for 50 minute session
​
$225
for 80 minute session
(couples/families)
Administrative Fees
$100
for late cancellation (less than 25 hours) or no-show
$50
for documentation (copy for records) requests
Therapy with Supervised Interns
$30
for 50 minute session
​
$45
for 80 minute session
(couples/families)
Group Therapy Rates
$45
for Men's Groups
​​
$75
& insurance options
for Women's Groups
UNDERSTANDING HEALTH INSURANCE
Using health insurance to pay for therapy can make mental health care more accessible, but the process can sometimes feel confusing. At Waterloo Therapy Group, we aim to simplify the process and provide clarity so you can focus on what truly matters: your well-being.
KEY TERMS
Deductibles
This is the amount you must pay out of pocket for covered services before your insurance starts contributing. For example, if your deductible is $1,000, you’ll need to cover this amount before your insurance begins paying for therapy sessions.
WHY CHECKING YOUR COVERAGE IS IMPORTANT
Before starting therapy, it’s essential to verify your insurance benefits. Contact your insurance provider to ask:​
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What is my deductible, and how much of it has been met?
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What is my co-pay or co-insurance for therapy?
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Do I need prior authorization for therapy services?
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Are there limits on the number of therapy sessions covered annually?
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Is teletherapy covered under my plan?​
This step ensures you understand your financial responsibilities upfront.
OUR ACCEPTED INSURANCE PLANS
AETNA
UHC (Optum)
HIGHMARK
BLUE CROSS BLUE SHIELD
Geisinger
QUEST
However, not all plans within these networks cover mental health services with our providers. Additionally, we are not Medicaid or Medicare providers.
​Please contact your insurance company to confirm your coverage with our group and verify if teletherapy is included in your plan. They may ask for the following details:​
NPI Number: 1972374585
EIN: 874185062
CPT Codes: 90791, 90837, 90847, 90846, and 90834
OUR BILLING
PRACTICES
To make the billing process as straightforward as possible:
​
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Card on File: We require a card on file, which will be automatically charged once the EOB is returned. This allows us to charge the correct amount without delays or inaccuracies.
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Online Portal: Clients can update their card on file anytime through our secure online portal.
​
This approach helps avoid overpayments and ensures accurate billing, streamlining your therapy experience.
THE ROLE OF MEDICAL NECESSITY
Insurance companies require therapy services to meet the criteria for "medical necessity," meaning:
​
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You must have a mental health diagnosis that justifies the need for treatment.​
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The treatment plan must address symptoms or challenges related to this diagnosis.
​
Please note that receiving a diagnosis for insurance purposes means it will become part of your medical record. If you have concerns about this, we are happy to discuss them before beginning therapy.
YOUR RESPONSIBILITY AS A CLIENT
While we handle the complexities of insurance billing, clients are ultimately responsible for:
​
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Understanding their insurance benefits.
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Communicating any changes to their coverage.
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Paying any balances owed after insurance processes claims.
​
We’re here to support you every step of the way. If you’re ready to start therapy reach out to us. Together, we’ll take the first step toward your healing journey.