Using Insurance for Therapy
Fees & Insurance Policies
Before your first appointment, please review our rates and insurance policies to understand your payment options and coverage.
Insurance Accepted
Astute is in-network with Blue Cross Blue Shield PPO (any state), UMR, Optum, United Student Resource Plan, United PPO plans and some therapists take Aetna PPO. If you’re using one of these, you are only responsible for your deductible, co-pay, or co-insurance.
Most sessions are covered, but to confirm your specific Behavioral Health coverage, call the number on the back of your insurance card. We do not verify any benefits.
Note: The rates below do not apply to BCBS PPO, United PPO, and Aetna PPO patients.
Therapy Rates (Out-of-Network & Cash Pay)
These rates do not apply to Rebecca E. Tenzer, LCSW. Her rates are available upon request.
- Individual, couples, or family sessions (53 min): $190
- Additional time (15 min): $60
- Same-day crisis sessions: $230 + $60 per additional 15 min
- Record review / extended phone/email consults (15 min): $60
- Missed appointments without 24-hour notice: $180
Insurance for Other Providers
We work with out-of-network carriers (e.g., Aetna, Cigna, Humana, HMO, Medicare/Medicaid) on a reimbursement basis. Patients pay upfront $190 and may submit a Superbill for reimbursement. You are responsible for verifying your out-of-network coverage.
Insurance does not typically cover:
- Divorce mediation
- Record review
- Long phone/email consultations
- Missed sessions
Payment is due at each session based on your coverage: either the co-pay, full session fee, or deductible balance.
Questions about coverage?
Email us to clarify your insurance or payment options.
Common Questions About Fees & Insurance
- Do I need to verify my insurance coverage?
- Yes. Astute does not verify benefits. Always call the number on your insurance card to confirm your behavioral health coverage.
- What if I am out-of-network?
- Pay upfront ($190/session) and submit a Superbill for potential reimbursement. Verify your coverage before the first session.
- Are co-pays or deductibles required?
- Yes, for in-network insurance plans, you are responsible for your deductible, co-pay, or co-insurance.
- Does insurance cover missed sessions?
- No. Missed appointments without 24-hour notice are billed $180.
- Are extended phone or email consults covered?
- Insurance typically does not cover long phone/email sessions. Rate: $60 per 15 min.
- Who sets the session rates?
- Rates are set by Astute and vary depending on insurance, therapist, and type of session.