Insurance & Payment Options

Therapist Insurance: We Accept Most Major Plans

We believe everyone deserves access to quality mental health care. That's why we work with most major insurance providers and offer flexible payment options to make therapy accessible and affordable for you and your family.

Vetted and highly-qualified providers

Online appointments available as soon as tomorrow

Our patients typically pay $20 per session with insurance

A woman examines a tablet while holding a credit card in her right hand, appearing focused on her online transaction.
A woman examines a tablet while holding a credit card in her right hand, appearing focused on her online transaction.
A woman examines a tablet while holding a credit card in her right hand, appearing focused on her online transaction.

Accepted Insurance Plans

Our clients successfully submit claims with the following insurance partners (click any name to learn more about coverage with that specific provider):

United Healthcare Insurance logo
United Healthcare Insurance logo
MHN Health Net logo
MHN Health Net logo
Cigna Healthcare logo
Cigna Healthcare logo
Aetna Insurance logo
Aetna Insurance logo
Optum Health Care Insurance logo
Optum Health Care Insurance logo
Beacon Health Insurance logo
Beacon Health Insurance logo
Tricare Insurance logo
Tricare Insurance logo
Magellan Health logo
Magellan Health logo
L.A. Care Health Plan insurance logo
L.A. Care Health Plan insurance logo
United Healthcare Insurance logo
MHN Health Net logo
Cigna Healthcare logo

Prefer Not to Use Insurance?

Discover self-pay, HSA/FSA, and other flexible payment solutions that offer complete privacy and immediate access to care.

Know Your Coverage Before You Start

Our insurance specialists verify your benefits within 24 hours and provide a clear breakdown of your costs and coverage.

A women waving her hand at her laptop
A women waving her hand at her laptop

Insurance Verification

We'll verify your benefits within 24-48 hours of scheduling

man in blue dress shirt sitting on yellow chair
man in blue dress shirt sitting on yellow chair

Coverage Summary

You'll receive a detailed breakdown of your coverage

person holding hands of another person
person holding hands of another person

Cost Transparency

We'll clearly explain any out-of-pocket costs before you begin

We'll clearly explain any out-of-pocket costs beforehand

Out-of-Network Insurance Coverage

Many PPO insurance plans offer substantial reimbursement for out-of-network mental health services. Our clients typically receive 50-80% of session fees back from their insurance companies.

What's Included:

Detailed Superbills for easy claim submission

Guidance on maximizing your benefits

Support with claim issues or denials

Step-by-step reimbursement instructions

Best for: Clients with PPO insurance plans who want quality therapy with partial cost recovery

a couple sitting on the couch laughing during their online therapy session

Frequently Asked Questions

Quick answers to common insurance coverage questions

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

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

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

How much will insurance reimburse for out-of-network therapy?

How much will insurance reimburse for out-of-network therapy?

How much will insurance reimburse for out-of-network therapy?

How does the reimbursement process work?

How does the reimbursement process work?

How does the reimbursement process work?

What if my insurance doesn't cover out-of-network services?

What if my insurance doesn't cover out-of-network services?

What if my insurance doesn't cover out-of-network services?

We’re here when you need us

If you or a loved one is in emotional distress or a suicidal crisis, please call or text 988.

Emergency Line

The 988 Suicide and Crisis Lifeline provides 24/7, confidential support with trained crisis counselors.

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Receive expert advice, coping strategies, and mental wellness resources from our licensed California therapists - delivered weekly.

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California Board of Psychology
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© 2025 Copyright FamilyTime Center. All rights reserved.

We’re here when you need us

If you or a loved one is in emotional distress or a suicidal crisis, please call or text 988.

Emergency Line

The 988 Suicide and Crisis Lifeline provides 24/7, confidential support with trained crisis counselors.

Join FamilyTime's newsletter

Receive expert advice, coping strategies, and mental wellness resources from our licensed California therapists - delivered weekly.

By submitting your email, you are consenting to receive emails from FamilyTime Center and accepting the terms.

Find care

By conditon

Types of care

Our approaches

By region

Legal pages

California Board of Psychology
Board of Behavioral Sciences badge

© 2025 Copyright FamilyTime Center. All rights reserved.

We’re here when you need us

If you or a loved one is in emotional distress or a suicidal crisis, please call or text 988.

Emergency Line

The 988 Suicide and Crisis Lifeline provides 24/7, confidential support with trained crisis counselors.

Join FamilyTime's newsletter

Receive expert advice, coping strategies, and mental wellness resources from our licensed California therapists - delivered weekly.

By submitting your email, you are consenting to receive emails from FamilyTime Center and accepting the terms.

Find care

By conditon

Types of care

Our approaches

By region

Legal pages

California Board of Psychology
Board of Behavioral Sciences badge

© 2025 Copyright FamilyTime Center. All rights reserved.