Rates & Insurance

Our Approach

Out-of-Network — and Intentionally So

Brave Beginnings Counseling is a private-pay practice, which means Robert is not paneled or contracted with any insurance networks. This isn't a limitation — it's a deliberate choice that keeps the focus exactly where it belongs: on your healing, your goals, and your pace.

When an insurance company is part of the equation, it often decides how many sessions you're allowed, what "qualifies" as a valid reason for treatment, and which private details are filed into your permanent record. Stepping outside that system lets Robert provide specialized, focused care — in areas like betrayal trauma, sexual and behavioral addictions, and PTSD — without a third party shaping the work.

If your plan includes out-of-network benefits, you may still be reimbursed for a portion of what you invest. We're glad to provide the paperwork you need to pursue it.

Start the Conversation

Superbills

A Superbill Bridges the Gap

A superbill is a detailed, itemized receipt for the therapy you've already paid for — prepared specifically so your insurance company can review it for out-of-network reimbursement. It includes everything an insurer asks for: dates of service, service (CPT) codes, Robert's credentials and NPI, the practice's details, and a corresponding diagnosis code.

Each month, upon request, we'll prepare a superbill which will be available in your client portal. You submit it to your insurer, and if your plan offers out-of-network coverage, they may send reimbursement directly to you for a portion of what you paid.

Because insurers require it, a superbill must include a formal mental health diagnosis. If you'd prefer to keep treatment entirely off your medical record, you can simply choose not to submit one.

The Process

How Out-of-Network Reimbursement Works

Four straightforward steps take you from session to reimbursement.

1

Attend & Pay

Payment is collected at the time of each session, just like any private-pay appointment.
2

Request Your Superbill

Once a month, ask us for an itemized superbill. We'll prepare it with every code and detail your insurer needs.
3

File the Claim

Submit the superbill to your insurance company through their out-of-network claims process — usually an online portal, app, or mailed form.
4

Receive Reimbursement

If your plan covers out-of-network care, your insurer reimburses you directly for the eligible portion of your fees.

Reimbursement is never guaranteed — benefits, deductibles, allowed amounts, and filing rules vary from one plan to the next. Checking your specific coverage ahead of time is always the best place to start.

Before You Call

Questions to Ask Your Insurer

A few minutes on the phone with your insurance company will tell you exactly what to expect. Ask:

Do I have out-of-network benefits for outpatient mental health care?
What is my out-of-network deductible, and how much of it have I already met?
Once my deductible is met, what percentage of each session is reimbursed?
Is there a cap on the number of sessions covered per year?
Do I need pre-authorization or a referral before starting?
How do I submit a superbill, and is there a deadline for filing?

Prefer to skip the phone call?

You can check your out-of-network benefits online instead. Create a free account on Mentaya, enter your insurance details, and it will look up your coverage for you in just a few minutes.

Check My Benefits on Mentaya →

Why It's Worth It

The Case for Private Pay

Paying directly for your care comes with real, tangible advantages.

🔒

True Confidentiality

Without claims passing through an insurer, your records and the details of your work stay strictly between you and Robert.

🧭

Care on Your Terms

The depth, frequency, and direction of your therapy are guided by your needs and progress — never by a claims department's rulebook.

🏷️

No Required Label

When you don't file through insurance, there's no obligation to carry a formal diagnosis on your permanent medical record.

🤝

The Right Therapist

You choose your counselor based on specialty, experience, and genuine fit — not a limited panel of assigned providers.

🌱

Deeper Commitment

Clients who invest directly in their care often arrive more engaged, which tends to make the work more focused and effective.

⏱️

Flexible & Unhurried

Sessions, intensives, and scheduling can be shaped around your life rather than squeezed into coverage limits.

Fees

Session Fees & Estimates

We believe in full transparency — you'll always know the cost before you commit.

Fees vary by service, as individual counseling, couples therapy, and intensives each call for different amounts of time and preparation. Exact rates are shared with you up front — before your first session — with no hidden costs and no surprises. Payment is collected at the time of service.

Your Good Faith Estimate

Under the federal No Surprises Act, anyone who is uninsured or paying out-of-pocket has the right to receive a Good Faith Estimate of the expected cost of services. We're happy to provide one in writing upon request — just ask.