Out-of-Network Therapy & Evaluation Services
At Aspire Child & Family Services, we know that navigating insurance can feel overwhelming and that many families hesitate to seek support because they assume therapy isn't affordable if it's not in-network. We want to assure you that high-quality care is still within reach. Our practice operates as an out-of-network (OON) provider, which means we work directly with you rather than through insurance companies allowing us to focus on what matters most: your goals, your growth, and meaningful results.
Why Families Choose Aspire
Because we are not bound by insurance limitations, we're able to offer services that are more personalized, comprehensive, and flexible than many in-network options. That means:
- Specialized care for children and adults:Individual therapy tailored to each person's needs, whether that's emotional regulation, anxiety, life transitions, or school-related challenges.
- Comprehensive diagnostic evaluations: In-depth assessments for autism, ADHD, learning differences, and other developmental concerns, with actionable recommendations to guide next steps.
- Flexible session structure: More time where it's needed, and more collaborative planning between you and your clinician.
- Reduced wait times and easier scheduling: No months-long waitlists. Most families can start services right away.
Our mission is to provide exceptional care without compromise and being OON allows us to do just that.
How Out-of-Network Services Work
While Aspire is not contracted with insurance providers, many of our clients still receive partial reimbursement for therapy and evaluations through their out-of-network benefits. Here's how the process typically works:
- Pay for services directly at the time of your appointment.
- Receive a superbill (an itemized receipt) from us that includes all the information insurance companies require.
- Submit the superbill to your insurance provider for reimbursement.
- Receive payment directly from your insurer, based on your plan's out-of-network coverage.
Support Every Step of the Way
We understand that insurance paperwork can be confusing. This guide will walk you through the process, including how to check your benefits, how to submit a claim, and what language to use when speaking with your insurance company. Most families find that this extra support makes the process smooth and straightforward.
Your Family's Growth Is Worth the Investment
Therapy and diagnostic services are an investment in lasting change. By choosing an out-of-network provider, you're choosing flexibility, customization, and the highest level of clinical care, without the restrictions of insurance-driven treatment models.
How to Check Your Out-of-Network Benefits
A simple guide to help you understand your coverage before starting services
Many families learn that their insurance will reimburse them for part of their therapy or evaluation costs, even when working with an out-of-network provider. The process is usually easier than it sounds, and checking your benefits ahead of time helps you know exactly what to expect.
Follow the steps below to get started:
Step 1: Call the Member Services Number on Your Insurance Card
This is usually listed on the back of your card. When you call, ask to speak with someone about your out-of-network mental health benefits.
Step 2: Ask These Key Questions
Write down the answers to each of these questions they'll help you understand what your plan covers and how reimbursement works.
- Do I have out-of-network benefits for mental health services?
- What percentage of the session fee is reimbursed for out-of-network therapy or psychological testing?
- Is there a deductible I need to meet first? If yes, how much of it have I already met this year?
- Are there any limits to the number of sessions or the total amount reimbursed per year?
- Do I need pre-authorization or a referral before starting services?
- What is the process for submitting a superbill or claim form?
- How long does reimbursement typically take?
Step 3: Save and Submit Your Superbills
Monthly, Aspire will provide you with a superbill, a detailed receipt containing all the information your insurance company needs. You'll usually submit this through your insurance company's online portal or by mailing in a claim form.
Bonus Tips
- Many families find that once their deductible is met, their plan reimburses a significant portion of therapy costs.
- Services like HSAs (Health Savings Accounts) and FSAs (Flexible Spending Accounts) can often be used to pay for sessions as well.
Remember:
Working with an out-of-network provider means you have more choice, more flexibility, and more personalized care. Checking your benefits in advance helps you make the most of your coverage, and focus on what matters most: your family's growth and well-being.