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In-network therapist care.

Accessible, affordable mental health care.

At Total Life, we’re breaking the mold and disrupting the therapy industry by partnering with a broad range of insurance carriers. By offering affordable mental health solutions, we strive to expand mental healthcare accessibility.

Use our filtering tool to see if Total Life accepts your insurance plan. First, select your insurance carrier, then select your plan. We’ll let you know immediately if you’re covered!

Disclaimer: Your insurance carrier ultimately determines coverage.

Understanding your Benefits

Insurance can be confusing! In our quest to expand healthcare accessibility, we make sure that you understand all the jargon and know what to expect from your mental health insurance benefits. Feel free to contact our experts and we will be happy to answer any questions you may have.

A flat fee per visit. For example, you may have a co-pay of $25 for each visit, and your insurer pays the rest. Your co-pay is usually listed on your insurance card, and Therapy is typically considered a specialist.

What you pay before your plan pays. The amount you have to pay, each year before your plan will pitch in for your care is called a deductible. If you have a $750 deductible, your plan won’t pay for any of your care until you have spent $750 out of your own pocket for things like doctor visits or X-rays. Any doctor you visit typically counts towards your deductible. For example, if you have a $1,000 deductible and haven’t spent any money out of pocket yet that year, and your visit with a doctor is $200, you can expect a bill for the full amount of the visit. In this scenario, once you’ve spent $1,000 that year, your insurance starts paying its share of the cost (subject to any co-pay or co-insurance).

Your share of your care. For some services, you share the cost with your health plan. Instead of a flat fee like a co-pay, the percentage of the total cost of your care that you pay is called co-insurance. For example, if your visit with a doctor is $200 and your plan calls for you to pitch in a 20% co-insurance, you can expect a bill for $40.

In-network means that your therapist has a contract with your insurance company that governs the cost of your visit. Generally, in-network therapists can provide you with care at a lower price than the insurance company determines reasonable.
Out-of-network means your physician has no direct agreement with your insurance company and is free to charge you any amount that they would like. Out-of-network physicians are generally higher-cost and do not provide a higher quality of care than in-network physicians.

Historically mental health benefits were separate from physical health benefits. Not only could they have different co-pays, deductibles, and co-insurance, but they could be provided by a separate health insurance company or not covered at all. Total Life is working to change that, but it is important to find out from your insurer who provides your mental health plan and its benefits.

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