11650 Lantern Rd Suite 232, Fishers, IN 46038
600 E Carmel Dr Suite 263, Carmel, IN 46032
%20me.png)
Insurance & Rates
Transparent rates and step-by-step guidance for using insurance.
Paying for Therapy
Understanding Your Payment Options and Out-of-Network Benefits
​​At Cadence Psychology Studio, we are an out-of-network provider. This means we do not bill insurance directly, and payment is due at the time of your appointment.
This page will walk you through your payment options—starting with ways to use HSA/FSA funds, how out-of-network benefits work, and how to submit claims—so you have the full picture before reviewing our therapy rates.
A simple, stress-free way to use pre-tax dollars for your therapy sessions.
Using HSA/FSA Funds
Many clients choose to pay for therapy using their Health Savings Account (HSA) or Flexible Spending Account (FSA).
-
​This is often the simplest and most predictable way to cover therapy costs.
-
You can use your HSA/FSA debit card just like you would a regular credit or debit card.
-
If you have an HSA/FSA, you can begin using these funds right away without waiting for insurance processing.
Here's how to understand and use your out-of-network coverage with confidence.
Out-of-Network Benefits
If you have a PPO insurance plan, it may include out-of-network benefits for mental health services.
​
Here's how it usually works:
-
Check Your Plan
-
Ask your health insurance carrier if you have out-of-network benefits for mental health.
-
If you do, ask:
-
What is my out-of-network deductible?
-
What percentage will be reimbursed after I meet my deductible?
-
What is the “allowed amount” for CPT code 90791 (intake session), 90837 and 90834 (individual therapy), or 90847 and 90846 (couples therapy)?
-
-
​​
-
Meeting Your Out-of-Network Deductible
-
Your plan may require you to pay a set amount (your OON deductible) before they begin reimbursing you.
-
Example:
-
OON Deductible: $3,500
-
Reimbursement rate: 50% after deductible
-
Allowed amount: what your insurance will base reimbursement on (may be less than our fee)
-
-
​
-
Reimbursement Begins After Deductible Is Met
-
Once your deductible is met, your insurance will reimburse you a set percentage (often 50–60%) of the allowed amount per session.
-
Keep in mind: The “allowed amount” may be lower than our session fee, so your reimbursement will be based on that lower number.
-
We make it easy for you to get the paperwork your insurance needs.
Submitting Claims
If you decide you would like to use your out-of-network benefits for therapy, we are happy to provide a monthly superbill (an itemized receipt with all the information your insurance needs) that you can submit to your insurance company for potential reimbursement.
​
Important Notes:
-
We do not have any contracts with insurance companies, so reimbursement is not guaranteed.
-
It’s your responsibility to confirm your out-of-network benefits before starting therapy if reimbursement is important to you.
-
Most clients who use their HSA/FSA find it to be the easiest and most reliable payment method.
💡 Tip: If you’re unsure about your benefits, call your insurance provider using the number on the back of your card. Ask them to walk you through your out-of-network mental health coverage.
Therapy is an investment in your wellbeing - we keep the rates simple.
Our Therapy Rates
Kaylee Odell
45-50 Minute Session: $170
​
Dr. Luna
45-50 Minute Session: $215​
​
Dr. Jessicah
45-50 Minute Session: $265
Good Faith Estimate
We will provide an annual Good Faith Estimate for anticipated costs of therapy, in compliance with the No Surprises Act (2021).​ For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call (317) 747-0574.​ If you would like to learn more about surprise billing protection, please review the following document: Disclosure Notice Regarding Patient Protections Against Surprise Billing.