On this page you will find more information on insurance accepted, our self-pay rates, company policies, and site disclaimers.

Please read this page in full and if you have any questions, let us know and we will be more than happy to assist you!

To get an estimate of costs, refer to the relevant sections below based on your coverage: in-network, out-of-network, and private pay (no insurance). Additionally, it may be possible to receive a tax credit from paying for mental health care. Consult with a tax professional to determine if you qualify for any potential tax deductions.

We Accept Blue Cross Blue Shield

In-Network Information

  • "In-network" refers to the group of healthcare providers (doctors, hospitals, clinics, therapists etc.) that accept your insurance plan. These providers have a contract or network affiliation with your insurance company.

    When you receive medical care from an in-network provider, it means you are accessing services from healthcare professionals who have agreed to the negotiated rates set by your insurance company.

  • If you receive insurance through your employer, reach out to your employer's Human Resources (HR) department or the benefits administrator for clarification. They can provide you with information about your health insurance coverage, including whether you have access to insurance. They may also have additional resources or documents that can help you understand your coverage better.

    If you do not have employee insurance benefits or if you are self-employed, you have the option to purchase your own health insurance. Here are steps to help you navigate the process:

    1. Research Insurance Options: Start by researching different health insurance options available in your region. This can include exploring plans offered through HealthCare.gov

    2. Compare Plans: Compare the plans based on factors such as premiums (monthly costs), deductibles (amount you need to pay before insurance coverage kicks in), co-payments (fixed amount you pay for specific services), coinsurance (percentage you pay after meeting the deductible), out-of-pocket maximums (the most you will have to pay in a year), and the network of providers available. Consider your specific healthcare needs and budget to find a plan that suits you best.

    3. Enroll in a Plan: Once you have chosen a suitable insurance plan, follow the enrollment process as outlined by the insurance provider or marketplace. This may involve filling out an application, providing necessary personal and financial information, and selecting the coverage start date.

    To shop for insurance in the state of Maryland, click here.

  • The amount you would pay for in-network services depends on several factors, including your health insurance plan and the specific terms outlined in your policy.

    The quickest way to determine your in-network cost is to call your insurance provider and speak to a representative. They will be able to provide specific details about your coverage. Ask the following questions:

    1. What is the amount for my monthly premium?

    2. What is the extent of my deductible?

    3. Do I have a co-payment for specific services?

    4. Is co-insurance applicable in my plan?

    Once you have gathered the relevant information, you can have a discussion with your therapist regarding your treatment plan and the recommended frequency of therapy sessions. In most cases, therapy sessions are scheduled on a weekly basis.

    A simplified example of cost:

    1. Monthly premium for individual: $450

    2. Your plan may require a fixed co-payment for health care visits, let's say $30.

    4 weeks copay= 4x30 = $120, plus monthly premium of $450 = $570 month

    Actual costs may vary based on your specific insurance plan and the negotiated rates between your insurance company and the healthcare provider. For more accurate information, refer to your insurance policy or contact your insurance provider.

  • Ideal Progress is in-network with Blue Cross Blue Shield (BCBS) insurance. If you have BCBS and are interested in our services, send us a message here and we can help answer any questions you might have!

    If you are still shopping for services, many health insurance companies provide a directory of healthcare providers that is easily accessible through their website or by using a search tool. This directory allows you to search for in-network providers based on factors such as location, specialty, or facility type. It's a convenient way to find healthcare professionals who accept your insurance plan. You can also directly contact healthcare providers or search their websites to find out which insurance plans they accept.

    Once you've identified an in-network provider, contact their office to schedule an appointment. Let them know that you have insurance coverage through their network. Depending on your insurance plan, you may need to pay certain costs at the time of your visit, such as a co-payment or coinsurance. The provider's office will inform you of any out-of-pocket costs you are responsible for.

Out of Network (OON) Information

Reimbursement Calculator

You can use the out-of-network reimbursement calculator here to get an individualized estimate of what your costs will be using your out-of-network benefits!

If you have out-of-network benefits, your insurance will typically will reimburse you for 60-80% of the cost of each session.

If needed, Ideal Progress will provide you with a monthly super bill that will include all of the necessary information for your claims to be processed.

  • Out-of-network refers to the coverage provided by your health insurance plan when you receive medical care from healthcare providers who are not in your insurance company's network. OON is a type of benefit that many insurance plans offer as a way to expand provider options, however, not all insurance plans have this offering.

  • Start by locating your health insurance policy documents, which typically include a Summary of Benefits and Coverage (SBC) or a similar document. This document outlines the coverage details, including information about in-network and out-of-network benefits. Look for sections or terms related to out-of-network care or out-of-network benefits.

    If you're unable to find the necessary information in your policy documents, the best course of action is to directly contact your insurance provider. Call the customer service number on your insurance card and speak to a representative. They will be able to provide specific details about your coverage, including whether or not you have out-of-network benefits.

  • The amount that will be reimbursed for out-of-network services can vary depending on your specific health insurance plan. To provide an example, let's assume the following scenario:

    Suppose your health insurance plan has out-of-network benefits with a reimbursement rate of 70% and an allowed amount of $100 for a specific medical service. In this case, here's how the reimbursement might work:

    • You receive the out-of-network service and pay the full cost of $200

    • You submit a claim to your insurance company, including the necessary documentation such as the itemized bill (also known as the super bill).

    • The insurance company reviews the claim and applies the reimbursement rate of 70% to the allowed amount of $100.

    • The insurance company calculates the reimbursement as 70% of $100, which amounts to $70.

    • The insurance company then sends you a reimbursement check or directly deposits the $70 into your designated bank account.

    It's important to note that the reimbursement rates, allowed amounts, and overall coverage terms may vary significantly based on your insurance plan and the specific service received. It's always advisable to review your insurance policy, contact your insurance provider, or refer to the Explanation of Benefits (EOB) provided by your insurer for precise details on reimbursement amounts.

    You can also check your reimbursement using the Reimbursement Calculator.

  • When you receive out-of-network care, you typically have to pay the provider upfront for the services rendered. Afterward, you can submit a claim to your insurance company for reimbursement. The insurance company will then review the claim and reimburse you based on your out-of-network benefits.

    Most insurance companies have you upload a monthly superbill online and if it is approved/accepted, they will mail you a check with your reimbursement.

    To get a better idea about OON benefits and how it works, you can call the number on the back of your health insurance card listed under Member Services.

    You can ask them the following questions:

    • Do I have out-of-network outpatient mental health coverage? Am I able to use these benefits for telehealth?

    • What is my out-of-network deductible?

    • How much of my deductible has been met this year?

    • Do I need a referral from an in-network provider to see someone out-of-network?

    • What percentage of outpatient psychotherapy sessions are covered per session?

    • How much will I be reimbursed for a 45 minute psychotherapy session (CPT code: 90834) and 60 minute (CPT code: 90837)?

    • How do I submit claim forms for reimbursement?

    • How long does it take for me to receive reimbursement?

Therapy Private-Pay Rates

Initial Intake
$200 per 53-60 min session.

Subsequent Sessions
$175 per 45-60 min session.
$100 per 20-30 min session.

Concierge Services Available
Call for details.

Lower Fee Sliding Scale Available, call for more details!

Nutrition Counseling Private-Pay Rates

  • Initial Intake
    $120 per 60 min session

    Session Packages
    $357 for six 30 minute sessions
    $349 for three 60 minute sessions

    More packages and sliding scale available, call for more details! 443-371-3801

Payments

Payments are due at the time of session unless prior arrangements have been made. Payment may be completed by cash, credit, or check. An up-to-date credit card must be kept on file at all times.

Checks can to be written out to “Ideal Progress.” A $35.00 service charge will be charged for any returned/bounced checks.

Cancellation Policy

  • If for any reason you need to cancel your session, please notify your therapist within 24 hours. If a session is canceled with less than 24 hours notice or if you do not show up at all (no call, no show), you will be charged the full rate of session (insurance can't be used). Sessions may be canceled or rescheduled with 24 hours’ notice without penalty. We understand that in some cases cancellations are inevitable and you may face an emergency or become sick. In these cases, we will work with you to reschedule or waive the cancellation fee. Cancellations must be given in writing (email or text) or relayed during session.

  • If you are late to session, you may lose some of your time and you will still be charged the full rate. Sessions are typically given a 5-10 minute leeway window. The leeway window is a courtesy that extends to your therapist as well.

  • Sometimes sessions can be cut short due to unforeseen circumstances. In this event, payment will be handled on a case-to-case basis and you should know that you may still be charged the full rate (with exception to insurance users, to which your insurance will be billed for the specific time spent in session).

  • If you are a parent paying for child therapy, please discuss session expectations with your therapist. Also be aware that if your child forgets to communicate a cancellation, you will still be responsible for paying a cancellation fee.

  • If your therapist happens to cancel with less than 24 hours notice, they will do their best to offer you a new time in exchange. We understand many people miss time at work in order to go to therapy and we respect your time, so in the case your therapist cannot reschedule you, your account will be credited with one (1) additional “free pass” for any future unforeseen cancellation you may have.

Disclaimers

Best therapy in Baltimore, Jackie Tyrrell, LCSW-C therapist, telehealth in Maryland. Is better help good? Is Sondermind Good? Affordable therapy.

 
 

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Notice Regarding Patient Protections Against Surprise Billing