Insurance

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We do not participate in any private insurance plans. However, in many cases, insurance companies will pay for 50-80% of the cost of therapy through out-of-network benefits. We can help you understand your benefits so that therapy is more affordable for you. We can provide documentation for you to submit to your insurance company for out-of-network reimbursement.

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To find out what your out-of-network benefits are, pull up this webpage and call the number on the back of your insurance card and ask the following questions:

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• Do I have benefits for out-of-network psychotherapy?

• Is there a deductible? How much have I reached? When does the deductible reset (usually it is January 1)?

• What are the out-of-network benefits for CPT codes 90791 (initial assessment), 90834 (individual psychotherapy), 90837 (individual psychotherapy), and 90847 (conjoint/family therapy)?

• Do I have coverage for therapy via teletherapy (video or phone), with the modifier code 95? This is usually indicated on your receipt or claim by adding "95" to the billing code, i.e. 90834-95 is for an individual session via teletherapy.

• Do I need any pre-authorization to receive these services out-of-network?

• Can I submit claims electronically? How long does it take to process?

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For insurance purposes, our billing zip code (business address) is 20009. Camille Espinoza is a clinical social worker in MD, VA, DC and MA. Alexis Logan is a supervisee in social work in Virginia, and practices under supervision from Camille.

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Please note that to receive out-of-network insurance benefits, you will have to meet the criteria for a mental health diagnosis (such as anxiety, depression, etc.) and this diagnosis will become part of your medical record. Please feel free to discuss any concerns with your therapist.

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For a quick estimate of your out-of-network reimbursement, please use the benefits calculator. Note that this is an estimate, and does not guarantee any benefits. To use this, click on the calculator and scroll down to enter your information.

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Get Help Filing Your Insurance

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There are many services that will do all the work of filing for your insurance reimbursement for you, for a fee. They specialize in helping therapy clients receive out of network benefits. Here are some options; note that Espinoza Therapy is not affiliated with any of these services, and therefore cannot guarantee the quality or pricing of them. 

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Reimbursify will file claims for you and offer reimbursement, for about $4 per claim, with packages available. 

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Thrizer will instantly confirm your insurance benefits, and if applicable, offer a standard reimbursement directly to your bank account in a few weeks, or instant reimbursement now. Fees start at $2 per session, plus 1% of the session cost for standard reimbursement, or 10% of the session cost for the instant reimbursement option.

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In addition, we at Espinoza Therapy have a lot of experience in this field, and will be happy to help you navigate the insurance process as much as we can. If you have any questions, please feel free to ask.