Insurance and Fees
Insurance
Choosing to invest in your mental health is a powerful step. To help you navigate your coverage, here is a clear breakdown of how fees and insurance reimbursements work in my practice.
Individual Therapy
In-Network via Headway: I am in-network with CareFirst BlueCross BlueShield (BCBS) for individual therapy sessions only, with billing and eligibility securely processed through Headway.
What this means for you: If you are seeking individual support and carry a CareFirst BCBS plan, our billing will be handled directly through Headway. Before our first session, you will receive an email invitation to enter your insurance details into Headway’s secure portal, which will instantly calculate your exact copay, coinsurance, or deductible responsibilities.
Couples Therapy
Self-Pay Only: All couples therapy and relationship counseling sessions are strictly self-pay (private pay). I do not accept CareFirst BCBS, Headway, or any other insurance panels for couples work.
Why couples therapy is self-pay: Most health insurance plans require a single individual to be diagnosed with a clinical mental health disorder to cover treatment. Couples therapy focuses on the relationship dynamic rather than a single person's pathology. Keeping couples therapy private pay ensures that our work is driven entirely by your relationship goals, without insurance companies dictating the length, frequency, or clinical diagnoses of your sessions.
Out-of-Network & Superbills (For All Other Plans)
If you are seeking individual therapy or couples counseling and carry an insurance plan other than CareFirst BCBS, you may still receive significant reimbursement.
Kenzen Psychotherapy is an out-of-network provider for all other networks. I provide a monthly itemized receipt called a Superbill for all out-of-network sessions. Many insurance plans offer out-of-network behavioral health benefits that will reimburse you for 50% to 80% of the session cost once you submit this form.
📞 Your Insurance Script: Questions to Ask Your Provider
To find out exactly what your plan covers, call the member services number on the back of your insurance card and ask:
"Does my plan provide out-of-network benefits for outpatient mental health services?"
"Do I have an out-of-network deductible that must be met before I can receive reimbursements?"
"What is the maximum reimbursement amount or percentage allowed per session for billing codes 90791 (Initial Evaluation), 90837 (Individual Therapy), or 90847 (Couples Therapy)?"
"Are telehealth sessions covered the exact same way as in-person sessions?"