Understanding Your Coverage
Out-of-network made simple. Plain-English guidance on what your plan may send back, so you know what to expect before you schedule.
Understanding Your Coverage
Affordable, transparent care
Affordable rates that bridge gaps in care
Priced low on purpose, so cost never stops your care.
- check_circleLower fees mean a smaller out-of-pocket cost while you wait on reimbursement
- check_circleAccessible pricing keeps you in care instead of dropping sessions or waiting months
- check_circleClear, itemized superbills give your insurer exactly what it needs to pay a claim faster
Why out-of-network works in your favor
Off your network usually means more choice, not less care.
- check_circleYou pick the right specialist for testing or therapy, not a narrow in-network list
- check_circleNo referrals or gatekeeping, and more privacy over your mental-health records
- check_circleMany PPO plans still reimburse a share of each session after your deductible
Flexible split payments
Spread the cost so money never interrupts treatment.
- check_circleBook ahead and pay in up to three installments
- check_circleA 10% deposit reserves your spot; balance due before your appointment
- check_circleDesigned so you never have to pause care over cost
Out-of-Network, in your favor
Not on your plan? That can be the better deal.
Out-of-network sounds like a downside, but for mental health care it often means more choice, more privacy, and real money back. Here is why, in plain English.
You choose the specialist
No narrow network list deciding who you can see. You pick the clinician who fits, and your plan still helps pay.
Most PPO plans pay you back
Once your deductible is met, plans commonly reimburse 50 to 80 percent of each session, sent straight to you.
No referrals, no gatekeeping
You can start care directly. There is no waiting on a primary doctor to approve a referral first.
More privacy over your records
Out-of-network means less of your mental health detail flows through the insurer. You control what the superbill shares.
Care paced by you, not a plan
Session length and frequency are decided clinically with your provider, not capped by an insurer's rules.
Transparent, predictable pricing
You always know the fee up front. No surprise in-network billing codes or balance bills months later.
Our Claims Partner
Filing, made effortless
Hand us the superbill and Mentaya files your out-of-network claim for you, then chases it down until it pays.
$10per claim, paid to Mentayaedit_documentPrefer to file it yourself? We always include a superbill at no charge, so you can submit it on your own anytime.
See it in motion
Watch what comes back to you
You pay
$200
Therapy sessionper 60-min visit
Comes back to you
~$130
about 65% of the $200 rate
These are estimates, not a quote. A typical PPO returns about 50 to 75% after your deductible. Your real number depends on your plan.
Want your real number?
Two ways to know for sure
Ask your plan
Call the number on your card and ask for your out-of-network mental health benefits. They are required to tell you your exact coinsurance and deductible.
Let us check it for you
We will verify your out-of-network benefits for free through Mentaya, so you get a real percentage without making a single call.
Get my free benefits checkarrow_forwardThe numbers above are a ballpark. For exact paybacks, use one of the two options here.
Still have questions?
We will walk you through your out-of-network options so you feel prepared before your first session, and verify your benefits for free through Mentaya.
We are in network with Medicare, and have applied to join Medicaid and TriWest, both pending. On any other plan, we use your out-of-network benefits to help you get reimbursed by your insurance.
Perkins PsyCare Clinic is a Round Rock mental health clinic serving Round Rock, Austin, and Central Texas. We do not make insurance promises or guarantee reimbursement; out-of-network benefits and any reimbursement depend entirely on your individual insurance plan.