Path works with most major insurances including Aetna, Anthem, Blue Cross Blue Shield plans, Cigna, Humana, Optum, Oscar and United Healthcare. We can also work with some employer-based plans not listed, and can bill your insurance for out of network coverage as well. We do not currently accept Medicaid or Medicare plans, though we hope to in the future.

If your insurance plan has an annual deductible, you will pay our cash rate until your deductible is met. Our cash rate for individual therapy is $120/session, and $135/session for families or couples. After your deductible is met, your out-of-pocket costs will depend on your insurance plan. Usually, Path clients pay between $5 and $40 per session.

As a benefit of using Path, our team will contact your insurance provider to conduct an eligibility check. We will provide you with an estimate of your individual benefits to better understand your insurance and plan for your costs of care. You may also contact your insurance provider directly to confirm your expected out-of-pocket costs.

Path is in-network with insurance companies that we have a contract with to accept negotiated rates. If we do not have a contract with your insurance company, we will be out-of-network. We are adding more insurers, so please check back later to see if we’ve added yours.

If we are out-of-network with your insurance plan, your sessions would not be covered by your insurance. We offer a self pay option at $120 for individuals and $135 for family/couples per 60-minute therapy session.

A copay or copayment is a fixed amount ($) that you will pay Path for each session, depending on your health insurance plan. Copays can vary depending on your coverage, but are typically $5-$40.

A deductible is a specified annual amount you must pay out of pocket, before your insurance company will pay a claim. This means that you will pay for the full negotiated rate until you meet your deductible; then you will only have a coinsurance. Some insurance plans do not apply the deductible to therapy, so you will only be responsible for a copay. The deductible resets every calendar year.

A coinsurance is the portion (%) of the negotiated rate that you will pay Path for each session, after the deductible has been met, if applicable.

An OOP is the maximum out of pocket amount that you may pay each year for healthcare. The amount includes cost sharing, deductibles and any out of network expenses that a patient may pay towards care. Once the limit is reached, the plan pays for 100% of services.

Maybe! We will ask your insurance company and help you keep track of the number of visits that they will cover per calendar year.

If you have changed your insurance, please notify our Support team so that we can review your current insurance carrier and the impact that it may have on your coverage for services. Doing so may help avoid additional financial obligations.

We will charge your payment method on file after each visit; however, you may receive a bill later for the patient’s responsibility portion after insurance adjudication. Insurance can be confusing. Path strives to provide an accurate estimate upfront, but coverage may change, and what the insurance actually covers is not determined until they review or adjudicate a claim for payment. This can lead to invoices that do not match your estimate.

Yes! You may enter that card as the payment method on file, or you may submit a receipt for reimbursement.

In a PPO plan, you may have an out-of-network benefit to allow you to get care from providers who do not take the plan (out-of-network). Path will charge you the self pay rate, and you may submit a receipt to your insurer for possible reimbursement.