We Know Insurance Is Confusing

We know that navigating the cost of therapy and understanding your insurance coverage can be confusing and sometimes genuinely stressful. You're not alone in feeling that way, insurance benefits are complicated, and most people don't fully understand what they're covered for until they ask. That's exactly why we're here to help.

Thank you for visiting our Rates and Insurance page. 

At Between Us Counseling in Stoneham, MA, our priority is making sure you have all the clear, straightforward information you need upfront. We believe financial transparency is essential to building trust, and our team is ready to help you figure out the best, most affordable path to begin your individual counseling journey. You shouldn't have to choose between your mental health and your budget, and with the right information, you usually don't have to.

To make our services as accessible as possible, Between Us Counseling is in-network with several major insurance providers. Being in-network typically helps reduce your out-of-pocket costs significantly, often limiting your expense to just a copay or meeting your deductible.

We currently accept:

• Anthem
• BlueCross and BlueShield
• Harvard Pilgrim
• Mass General Brigham Health Plan
• Optum
• Tufts
• UnitedHealthcare (UHC | UBH)

Important note: Depending on your specific insurance plan and benefits, the final fee and coverage amount will vary. We always recommend verifying your specific mental health benefits with your insurance company before your first session, or better yet, reach out to us and we can help you verify your benefits so you know exactly what to expect.

You May Still Be Covered, Even If We're Not In-Network

Even if we're not directly in-network with your specific plan, you may still have excellent coverage through your out-of-network (OON) benefits, especially if you have a PPO or POS plan. These plans often reimburse clients for 50–80% of session costs, with some plans covering as much as 100% after you've met your deductible.

Here's the best part: we offer a client-friendly service that will submit claims for you directly, handling all the paperwork so you don't have to deal with the administrative hassle. If you prefer to manage the submission yourself, we can also provide you with detailed superbills, coded receipts you can submit to your insurance company for reimbursement.

Not sure if you have out-of-network benefits? We can help you find out. Just send us your insurance information, and we'll do the legwork.

Sometimes Paying Out-of-Pocket Makes Sense

If you decide to opt out of using your insurance, private pay is always an option. With this choice, there are no insurance companies requiring a diagnosis, assessing whether your therapy is "medically necessary," or determining how often or how long you can receive treatment. Your therapy is between you and your therapist, period.

Prior to beginning treatment, you'll receive a "Good Faith Estimate" that clearly outlines the total cost of your services, so there are no surprises.

Our current private pay rates are:

• Assessment (60 min): $235–$290
• Therapy Session (53–60 min): $220–$260

If your insurance plan only covers a portion of the fee or doesn't cover therapy at all, you can also use a Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover session fees.

We accept the following payment options for your convenience:
American Express, Check, Health Savings Account (HSA), Mastercard, PayPal, Venmo, Visa, and Zelle.

Making Out-of-Network Benefits Simple

We've partnered with Thrizer, a specialized payment platform that dramatically simplifies the out-of-network reimbursement process. Here's how it helps:

Thrizer can quickly find out if your insurance plan has out-of-network benefits and how much they'll reimburse you for each session. Instead of you paying our full session fee upfront and then waiting weeks or months for reimbursement checks, Thrizer handles the out-of-network process automatically.

Here's the benefit: With Thrizer, you often only pay a copay for our sessions upfront instead of the full fee. This typically allows our clients to save an average of 70% upfront on their sessions, making therapy much more affordable and accessible right from the start.

We can help you verify if you have out-of-network benefits and calculate what your copay would be, just send us an email today with your insurance information, and we'll take it from there.

We're here to make accessing high-quality individual counseling, couples counseling, and all our specialized services as stress-free and affordable as possible. If you're unsure about your coverage, have questions about rates, want to verify your benefits through Thrizer, or just need help understanding your options, please don't hesitate to reach out.

Our professional team is ready to provide the clear, honest information you need to begin your healing journey without the financial worry. Cost shouldn't be the thing that stops you from getting help, let's work together to find a solution that works for your life and your budget.