Your Investment in Wellness
Understand the benefits of our private-pay model and how you can still use your insurance
Health insurance has its benefits...
...absolutely, it sure does. But it can also limit the amount of time, type, and level of support you receive.
At coeo, we believe that the best therapy happens when decisions about your mental health treatment are made by the people who actually know you. You know, like yourself, or your therapist, not by your insurance company's new AI algorithm.
Choosing to invest in yourself through private-pay therapy is a powerful step towards ensuring your treatment is personalized, private, and tailored specifically to your needs.
Why Invest in Private-Pay Therapy?
1
Absolute Privacy
When you use insurance, your therapy requires a medical diagnosis that becomes part of your permanent health record. By paying privately, your sessions, records, and treatment details remain confidential. No diagnosis is required. No diagnosis follows you the rest of your insured-life.
2
You Are in Control
Insurance companies often dictate the number of sessions, type of therapy, and length of treatment they will cover. Our approach puts you in the driver's seat. We work together to create a treatment plan that's right for you, without any outside mandates or limitations.
3
Focus on Your Goals
Therapy is for growth, self-exploration, and healing—not just for treating a 'disorder.' Without the constraint of providing a diagnosis for insurance, we can focus entirely on your personal goals and well-being from day one.
Total Flexibility
We have the flexibility to use the therapeutic techniques that best suit you and adjust the frequency of our sessions based on your needs, not a predetermined coverage schedule.
4
Plus...
you can still get reimbursed.
Using your Out-of-Network Benefits isn't as hard as your insurance company wants you to think it is. We swear.
While we are an out-of-network provider and do not bill insurance companies directly, we make it easy for you to get reimbursed. Many of our clients with PPO, POS, or HDHP plans are pleasantly surprised to find out they can receive significant reimbursement (sometimes 50-80%) for their coeo therapy sessions.
Here's how it works:
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You pay for your session at the time of service. We accept all major credit cards, HSA/FSA payments, and checks.
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We provide you with a monthly medical receipt, known as a 'superbill.'
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You submit this superbill directly to your insurance company.
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Your insurance company sends you a reimbursement check in the mail.
To make it even simpler...
coeo also partnered Mentaya to help you file your out-of-network claims in minutes, right from your phone. With Mentaya you can:
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Estimate your insurance reimbursement for therapy.
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Automatically file claims on your behalf, saving you time and effort.
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Track the progress of your claims so you can focus on your healing.
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Mentaya charges a 5% fee per claim but it's risk-free; they guarantee claims are successfully submitted, or a full refund of their fees.
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Use the free tool below to see if you qualify for reimbursement.
Some Frequently Asked Questions
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Let's Connect
Fill out our contact form, and a coeo team member will reach out to learn more about what you’re looking for. We’ll schedule a free 15-min consultation or connect your directly with a therapist.