Paying for Therapy
Your Healing, Your Investment
We understand that therapy is an investment in your well-being and future. At coeo, we aim to make this journey accessible and stress-free. While we don't partner directly with insurance companies, we support you in navigating out-of-network benefits and offer affordable therapy options tailored to your needs.
Your Payment Options
Private Pay
Paying out-of-pocket ensures flexibility and privacy, free from insurance limitations. We accept all major credit cards, HSA/FSA payments, and checks.
Out-of-Network Insurance Coverage
While coeo isn't in-network, many clients successfully use their out-of-network benefits to receive reimbursement for therapy.
Inclusive & Lower-Cost Options
Our therapy program with interns and pre-licensed therapists provides the same trauma-focused care at reduced rates. Everyone deserves access to compassionate, expert support.
What are Out-of-Network Benefits?
If your insurance plan offers out-of-network benefits, it means they will cover a portion of the cost when you see a therapist who doesn't have a direct contract with your insurance company.
Unlike in-network providers, who bill your insurance company directly, with out-of-network therapists, you typically pay for the session upfront and then submit a claim to your insurance for reimbursement.
Insurance companies often reimburse a percentage of the therapist's fee, usually after you meet an out-of-network deductible. For example, after you meet a $1,000 deductible, your insurance may reimburse 50-80% of the session cost.
Out-of-network benefits give you the flexibility to choose a therapist based on your needs and preferences, not just those in-network.
Understanding Superbills and Insurance Reimbursement
What is a Superbill?
A superbill is a detailed receipt for therapy, designed for out-of-pocket payers to request reimbursement from their insurance. It includes session details, provider information, and diagnosis codes—your golden ticket to potential reimbursement.
How It Works
Your Role:
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Submit the superbill to your insurance company and follow up, as every plan is unique.
coeo's Role:
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We create your superbill and provide a letter to explain your therapy services to your insurance.
Three Steps to Get Reimbursed
Check With Your Insurance Plan
Call your provider and ask:
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"Do I have out-of-network benefits for therapy?"
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"What percentage of costs will you reimburse?"
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"What deductible must I meet?"
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"Is pre-approval or additional paperwork required?"
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Submit Your Superbill
Follow your insurance company’s submission guidelines (e.g., online, email, or mail).
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Use coeo’s Support Letter
Follow your insurance company’s submission guidelines (e.g., online, email, or mail).
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Things to Keep In Mind
Reimbursement isn't guaranteed and depends on your plan.
Keep copies of all correspondence with your insurance.
Have questions about your superbill? We're here to help.
Mentaya: Simplifying Insurance Reimbursement
To help simplify the insurance reimbursement process, coeo partner with Mentaya. Mentaya helps you:
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Estimate your insurance reimbursement for therapy.
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Automatically file claims on your behalf, saving you time and effort.
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Track the progress of your claims so you can focus on your healing.
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Mentaya charges a 5% fee per claim but it's risk-free -they guarantee claims are successfully submitted, or a full refund of their fees.
With Mentaya, accessing your out-of-network benefits becomes a seamless part of your therapy journey.
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Sign up for Mentaya using this link.
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Our practice will enter your sessions into the platform.
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Mentaya submits the claim and handles any insurance follow-up.
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You get reimbursed by insurance.
How Mentaya Works
Use the insurance benefits tool below to see if you qualify for reimbursement for services.
Affordable Therapy That Meets You Where You Are
If therapy costs are a concern, explore coeo’s Inclusive & Affordable Therapy Program. Work with skilled interns and pre-licensed therapists to receive the same empathetic, trauma-focused care at a reduced rate.
Questions about Payment?
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How do I begin therapy at coeo?Getting started is simple: Reach Out - Fill out our simple online contact form, and a coeo team member will reach out to learn more about what you’re looking for and how we can support you. We’ll schedule a free 15-minute consultation or connect you directly with a therapist. Get Matched with Your Therapist - Once we understand your unique needs and goals, we’ll match you with a compassionate therapist who is best equipped to support your healing journey. Start Your Healing Journey - Schedule your first session and begin a personalized path to healing and recovery. Whether you meet us in person at our Collegeville, PA office or virtually from the comfort of your home, we’re here to support your growth every step of the way.
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What types of therapy do you offer?We provide a range of services, including: Individual therapy Couples and family therapy EMDR Intensives Couples and Family Intensives Ketamine-Assisted Psychotherapy (KAP) in partnership with Journey Clinical Reduced Rate Therapy with our skilled coeo Interns
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What are coeo’s specialties?Our therapists specialize in: Trauma Relationships Eating disorders Substance use and addiction Attachment disorders Identity exploration LGBTQIA+ affirming therapy
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What if I don’t know what I need?That’s okay! The coeo team is here to help. During your free 15-minute consultation, we’ll learn more about your goals and concerns and recommend the best options for your journey.
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What’s it like to work with a therapy intern?Interns at coeo are highly trained and supervised by senior clinicians. You’ll receive compassionate care while contributing to the growth of future therapists. Learn more on our Working with Interns page.
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How long does therapy take?The duration and longevity of therapy depend on many factors like your needs and readiness for change, length of our sessions, cadence of sessions, and engagement in the therapeutic process. You and your therapist will typically start with weekly or bi-weekly sessions, but this can change and flex throughout your time together. We are 100% dedicated to providing healing, personal empowerment, safe and healthy relationships, and getting our clients out of therapy as quickly and clinically recommended as possible. We like to joke that our job is actually to put ourselves out of business. We won't keep you in therapy just to keep you in therapy. The long and short of it, there is no answer to this question. It is completely dependent on you, and what you need. We want our clients' to feel a sense of health and freedom in all areas of their life.
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What if I don’t like my therapist?We dare you to try. Kidding, of course. Sometimes two human just don't click. If that happens during our work together we will ensure there is a smooth handoff with another therapist that is more your style.
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How often should I attend therapy?Therapy frequency varies by individual. Some clients benefit from weekly sessions, while others attend bi-weekly or monthly. Your therapist will collaborate with you to determine the best schedule.
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Do you offer virtual therapy? What if we want to meet in-person?Yes! We provide virtual therapy sessions for clients who prefer to meet from the comfort of their homes. In-person sessions are also available at our Collegeville, PA, office.
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How do I schedule sessions?Once you become a client, you can schedule and manage your sessions through our secure client portal, Practice Better.
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What should I expect when I arrive for my session?Make Yourself at Home! We want you to feel completely at ease when you’re here. Help yourself to water or anything else available in our waiting room while you settle in. When it’s time for your session, your therapist will come out to greet you and guide you to your therapy room. Detailed instructions for our Collegeville, PA location are available on our Locations page.
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What about Therapy Intensives?coeo’s therapy intensives—offered for EMDR, couples, and family therapy—provide a concentrated and immersive approach for deeper healing. These intensives are tailored to your unique needs and can jumpstart your therapeutic progress. Learn more about them on our Therapy Intensives page.
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Do you offer evening or weekend appointments?Yes, we provide flexible scheduling options, including evenings and select weekends, to accommodate busy clients. While we cannot guarantee availability, we certainly do our best to meet your scheduling needs.
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What about sessions? What are they like?Typically, sessions are 50 minutes. But we can make sessions longer (or shorter) if we decide that changing the session length would be helpful. The first session looks pretty standard as we get to know each other, and learn more about what life looks like for you and how we can work together to build a life congruent with your most authentic self. You and your therapist will discuss recommended treatment, set goals for therapy, frequency of sessions, how to make appointments, contact us, etc. Sessions after that are largely driven by you, and your needs. We strive to meet you wherever you are in your journey so sessions will look a little different each time.
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What if I don't feel like coming to a session?Therapy can be tough sometimes and you might be hesitant to come for a session. We get it. We know that motivation can ebb and flow and that sometimes you are just tired. It's our job to recognize when to push and when to keep a session light. We fully believe in meeting clients where they are, both on intake and throughout the therapeutic relationship. However, if you need to cancel, we ask that you do so 24 hours prior to the session time or you will be charged for the session.
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Does coeo accept insurance?coeo, llc is dedicated to honoring our client's time and financial needs. We are committed to providing exceptional therapy within the appropriate clinical timeframe, ensuring our clients heal and thrive in the world as soon as possible. Due to many insurance concerns, coeo does not bill insurance directly. We provide a Superbill at the end of each month or each session that you can submit as an out-of-network claim. This Superbill has all of the information needed for reimbursement, and we are also happy to connect with insurance companies directly if that would be helpful. You can pay using a credit or debit card or by connecting your bank account.
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Do you offer lower-cost therapy options?Yes! Our Reduced Rate Therapy Program connects clients with skilled coeo interns who provide high-quality care at accessible rates.
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What’s Mentaya, and how can it help me?Mentaya simplifies the insurance process by estimating your reimbursement, filing claims, and tracking progress—letting you focus on healing. Learn more on our Paying for Therapy page.
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What happens if my insurance denies reimbursement?While we cannot guarantee reimbursement, we’re here to help you navigate the process and answer any questions about superbills or next steps.
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What is a superbill, and how does it work?A superbill is a detailed receipt for therapy sessions. It includes the necessary information for your insurance company to process reimbursement.
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Can I use my HSA or FSA for therapy?Yes, we accept HSA and FSA payments, making therapy more accessible for clients who use these accounts.
ready to start? let's talk.
Have questions about paying for therapy or navigating insurance? Contact us today—coeo is here to simplify the process and make therapy accessible for everyone.