Frequently Asked Questions

We only accept Aetna. For all other insurances we are Out-of-Network (OON). Many insurance plans, typically PPO or POS, will provide OON mental health coverage.

We also accept Health Saving Accounts (HSA), Flexible Savings Account (FSA), debit card and credit card for payment.

We do not accept Medicare or Medicaid.

Below are important questions to ask your insurance company about your In-Network coverage plan:

• Is Bridging Bonds LLC (NPI #1740016278) in-network with my plan?

• What is my/our coverage for in-network mental Health services?

  • CPT 90837 (Individual therapy)

  • CPT 90847 (Family/Couples therapy)

• What is my co-pay for a specialist?

• Do I have a deductible, and how much is it?

• How much of my deductible has already been met this year?

• Do I have a co-insurance?

• Do I need a pre-certification for services?

You can use the below CPT code and questions to understand your specific coverage and reimbursement :

• CPT 90791: Initial Assessment

• CPT 90834 : Individual Therapy, 45 min

• CPT 90837: Individual Therapy, 53+ Min

• CPT 90847: Couples/Family/Marriage Therapy

Do I have out-of-network mental/behavioral health benefits?

Do I have an out-of-network deductible that has to be met first before I get reimbursed?

Has any amount of my deductible been covered this year? 

What is my co-insurance amount?

Co-insurance is the amount you pay after deductible is met. For example, if you have met your out-of-network deductible and you have a co-insurance of 20%-40% of session cost and the cost of session to you is $200, you will be reimbursed between $160- $120 by your insurance company.

What is my allowed amount?

The reimbursement rate is decided by copay/co-insurance and allowed amount; you would be responsible for the co-pay/co-insurance and then anything above the allowed amount that the insurance does not cover.

The first three sessions we will be identifying strengths, needs and setting goals for treatment. It is during this process that we will discuss recommendation of appropriate treatment option, frequency and service length . It will also give you an opportunity to get a better idea of the therapist’s style of work and build therapeutic relationship.

Each client is unique and we make sure to tailor therapy and its frequency to your needs. Frequency of therapy depends on various factors and we use the first three session to get a better idea of what that is for each case. We often recommend weekly session initially as we gain skills and work on reducing symptoms. Therapy is best effective when treatment is consistent.

Paying out-of-pocket (self-pay) for therapy can offer several advantages especially when compared to using insurance. There are also practical reasons clients may choose this route.

1. Greater Privacy and Confidentiality
   When you pay privately, your mental health records stay between you and your therapist. Insurance companies often require a formal diagnosis and access to records for reimbursement, which can limit your privacy.

2. No Need for a Mental Health Diagnosis
   Insurance typically requires that therapy be deemed "medically necessary," which means a formal mental health diagnosis is required. Out-of-pocket therapy allows you to seek support for personal growth, stress, life transitions, or relationship issues—without needing a diagnosis or proof of medical necessity.

3. More Flexible Session Lengths
   Standard insurance-covered sessions are usually limited to 45-50 minutes. Paying privately allows for extended sessions (e.g., 60–90 minutes), which can be more productive and better suited to your needs.

4. Higher Frequency of Sessions
   Insurance may limit how often you can be seen. Paying out-of-pocket gives you and your therapist the freedom to meet as often as necessary or more frequently during times of need.

5. Services Not Covered by Insurance
   Many valuable therapy services (like couples counseling, pre-marital counseling, coaching, or preventative mental health care) are not covered by most insurance plans. Paying privately gives you access to these services without restriction.

6. Avoiding High Deductibles and Copays
   If you have a high deductible plan or high copays, you may be paying close to the full session fee anyway. In such cases, private pay offers more flexibility and control without dealing with insurance paperwork or delays.

7. Out-of-Network Benefits

   Many clients still use their insurance by working with an out-of-network provider so they can see the therapist they prefer while still receiving partial coverage.

8. Reduced Barriers and Wait Times

   Paying directly can speed up the process of starting therapy, since clients don’t need to wait for insurance approval or find an in-network provider with availability. Many highly trained or in-demand therapists don’t accept insurance. Paying out of pocket opens the door to specialists with niche expertise, unique modalities, or extensive experience.

While we do have sliding scale/reduced fee, there are only a few slots made available at a time. We make our best effort to have equitable care by offering sliding scale to those most in need whether that is being financially limited or those who cannot afford care. Therefore, we consider sliding scale on a case-by-case basis to make care accessible. The therapist will determine, at their discretion, whether to apply a sliding scale for fees based on factors such as gross income and plan of service. We must be selective to circumstances as we truly would like to open up those slots to those that could use assistance.

Please reach out if this would be helpful to you!