Insurance

What is Insurance at Light Street?

Insurance & Fees

Light Street Psychotherapy is an out-of-network, private-pay provider. We do not contract directly with insurance companies. This model allows us to prioritize your clinical needs and privacy without the restrictions often imposed by managed care.

Out-of-Network Reimbursement

Many PPO insurance plans provide some form of reimbursement for outpatient psychotherapy. While we do not bill insurance companies directly, we provide a monthly Superbill (an itemized statement with necessary diagnostic and billing codes) for you to submit to your carrier.

Common Service Codes:

• Initial Intake: 90791
• Individual Therapy (60 min): 90837 (Modifier 95 for Telehealth)
• Individual Therapy (45 min): 90834 (Modifier 95 for Telehealth)
• Family Therapy: 90847

Questions for Your Provider

To understand your coverage, we recommend calling the member services number on your insurance card and asking:

1. Do I have out-of-network benefits for mental health?
2. What is my yearly deductible, and how much has been met?
3. What is the reimbursement rate (percentage) per session once the deductible is met?
4. How do I submit claims for reimbursement?
5. Are there any caps on the number of sessions or the “allowable amount” per session?
6. Is a referral from a primary care physician required?

Why Choose Out-of-Network Care?

Choosing an out-of-network provider offers several clinical advantages:

• Total Confidentiality: Insurance companies cannot audit your records or require treatment plans to authorize care
• Clinical Autonomy: You and your therapist—not an insurance adjuster—determine the type, frequency, and length of your treatment
• No Surprise Bills: You avoid the “after-the-fact” coverage denials that often lead to unexpected balances with in-network care

Payment & Policies

• Payment Methods: Light Street Psychotherapy accepts Cash, Check, Zelle, and Credit Cards (Visa/Mastercard)
  • Note: A 3% processing fee applies to all credit card transactions.
• Due Date: Payment is due in full at the time of service
• Cancellation Policy: We require 24 hours’ notice for cancellations. Appointments cancelled with less notice will be charged the full session fee