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For traditional medical insurance, only individuals covered under the health plan (the employee and enrolled dependents) may use behavioral health benefits.
For Employee Assistance Program (EAP) services, you do not need to be enrolled in the medical plan. EAP benefits are typically available to the employee and their immediate family members, according to the employer’s EAP policy.
If you’re unsure whether your plan includes mental health benefits, our team is happy to help you verify coverage.
Verify your insuranceInsurance benefits can feel confusing, and every plan works a little differently. Our goal is to help you understand what to expect so you can begin care with confidence. Below are a few key things to know about how mental health coverage typically works and how our team can support you along the way.
Even within the same insurance company, plans can differ. Your coverage may include:
Because of these differences, two people with the same insurance company may have very different out‑of‑pocket costs.
Certain plans require:
If your plan needs any of these, we’ll guide you through the process so your care isn’t interrupted.
Most plans cover telehealth, but some have:
We encourage you to confirm your plan’s telehealth rules before your first appointment.
When you schedule an appointment, our administrative team can help verify your mental health benefits and explain what your expected costs may be. While we rely on the information provided by your insurance company, this step helps reduce surprises and gives you a clearer picture of what to expect.
Book AppointmentWe believe that financial flexibility shouldn’t stand in the way of your mental health. Choose the payment method that best fits your needs:
For maximum simplicity, we accept all major payment methods at the time of your appointment.
Using pre-tax dollars is an excellent way to make mental healthcare more accessible and affordable. We accept both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) for all eligible services offered at Arkham Rise Counseling, helping you maximize your health benefits while receiving quality care.
Learn more about using HSA/FSAHave a loved one you want to help support? Purchase a Care Pack to relieve the financial burden of receiving help.
Learn more about Care PacksCareCredit is a dedicated health and wellness credit card that helps you pay for out-of-pocket expenses not covered by insurance.
Learn more about CareCreditArkham Rise Counseling offers partnerships with employers to help support their team members mental health and overall wellness.
Learn more about Employer supported plansUsing pre-tax dollars is an excellent way to make mental healthcare more accessible and affordable. We accept both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) for all eligible services offered at Arkham Rise Counseling, helping you maximize your health benefits while receiving quality care.
Unlike an HSA, standard FSA accounts operate under IRS guidelines requiring funds to be spent within the plan year. Any remaining balance at the end of your plan period is forfeited back to your employer.
Depending on your employer's specific plan design, your FSA may offer one of two relief options (employers can offer one, but not both):
Tip: If you have remaining FSA funds near the end of your plan year, scheduling therapy sessions, psychiatric evaluations, or purchasing prepaid Care Packs is an ideal way to invest in your wellness before your funds expire.
You can use your HSA or FSA funds to cover out-of-pocket costs across our full range of behavioral health and psychiatric services:
We understand that life circumstances can sometimes make the full rate difficult to manage. If you believe a reduced rate may help you remain engaged in treatment, we encourage you to speak directly with your clinician.
If you prefer to verify your benefits yourself, these questions are a great place to start:
Your insurance card will list the member services phone number on the back.
A Superbill is essentially an itemized "receipt for healthcare" that allows you to act as your own insurance advocate.
If you are seeing a provider who is out-of-network (meaning they don't bill your insurance company directly), you pay the provider's full fee upfront. The provider then gives you a Superbill, which contains specific medical codes that your insurance company requires to process a claim.
