Insurance & Pricing

Navigating insurance can be hard. We’re here to make it simple.

From understanding your costs to getting reimbursements for your care, our team of billing and insurance experts are here to help. We’ll guide you through the process and provide resources to make things easier.

We'll work with you. Every step of the way.

How We Can Help

We Accept Insurance

We are currently in-network with Anthem Blue Cross CA and the United Healthcare UMR plan for Mount Sinai employees in New York, and working to expand our insurance network.

Tools for Reimbursement

If you are receiving out-of-network care, we’ll prepare the documentation, called a superbill, that you can easily submit for monthly reimbursement.

Support at Each Step

Our team of experts are available to answer your questions and provide guidance for navigating your insurance and understanding your charges.

Pricing

California

New York

In-Network

We are an in-network provider with Anthem Blue Cross of California. Prices for our services range based on your coverage.

In-Network

We are currently in-network with the United Healthcare UMR plan for Mount Sinai employees. Prices for our services range based on your coverage.

Out-of-Network

Most times, you can get 50% - 80% of your care paid for if your out-of-network benefits apply. We provide you tools to get this money easily reimbursed.

Therapy: from $205/session
Coaching: $110/session
Classes & Groups: averages $75/session

Out-of-Network

Most times, you can get 50% - 80% of your care paid for if your out-of-network benefits apply. We provide you tools to get this money easily reimbursed.

Therapy: from $180/session
Coaching: $110/session
Classes & Groups: averages $75/session

Ready to speak to a Care Navigator?

Learn more about our services, discuss financial options, and let us match you to a provider for your needs.

Book a free consultation

Still have questions? We’ve got answers.

Do you accept insurance?

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In California, Octave is in-network with Anthem Blue Cross of CA (and some Blue Cross/Blue Shield plans based outside of CA). 

In New York, Octave is in-network with the Mount Sinai employee UMR/United Healthcare plan.

What does in-network mean?

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In-network means that we are part of an insurance company’s network of providers and have agreed upon a discounted price for our services. If you have in-network insurance, we can check your plan and provide you with more information on what you can expect to pay based on your coverage.

What does out-of-network mean?

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Out-of-network means that you will be responsible to pay for your session in full, up front.  We offer superbills to out-of-network clients on a monthly basis which can be submitted to insurance for possible reimbursement.

What is a “superbill”?

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A superbill has the required information your insurance provider needs when you submit a claim for reimbursement. The superbill will include your name, your provider's name, your provider’s employment identification number, your provider’s National Provider Identifier number, the code(s) for your diagnosis, the code(s) for any services, the date of your appointment (date of service), and the total amount of the bill.  To request a monthly super bill, please email support@findoctave.com.

How do I submit claims or superbills to my insurance company?

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Generally, there are two ways to submit a claim. You can either send it directly to your insurance provider in the mail or submit your claim online.

What is a deductible? 

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A deductible is a set amount of money you are expected to pay before your insurance will start paying for your care. This amount is determined by your specific policy and is set in advance. Your deductible accumulates throughout the year, so once you meet it, you wouldn’t have to pay the deductible again.

What is coinsurance?

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Once your deductible has been met, you will still be responsible for paying a coinsurance amount. This is the percentage of the bill that you are responsible for with the remainder being paid by your insurance. For example, if you have a 20% coinsurance, you will pay 20% of each bill and your insurance carrier will cover the other 80%.

What is an out-of-pocket limit?

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An out-of-pocket limit is the maximum amount of your own money you will have to pay for care during the year. Think of the out-of-pocket limit as your deductible + coinsurance + copayments (if your plan has them) up to a total dollar amount.  Once satisfied, you should not have payment responsibility for completed sessions.

How much can I expect to pay?

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Pricing varies based on your location, insurance provider, benefits, and your care plan. For in-network clients, we will contact your insurance company on your behalf to learn more about your coverage and benefits. Once we have this information, we can provide you with a price range you can expect to pay.

How does payment work and what are my payment options?

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We’ll take your payment information before your first session. You’ll be billed at the close of the session, and it may take 1-2 days for the charge to show up on your statement. We accept all major credit/debit cards — even some HSA accounts.

How do I get reimbursed as an out-of-network client?

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After you submit your superbill to your insurance company, they will send you a check with the reimbursed amount, based on the structure of your out-of-network benefits.

What do I need to know about FSA and HSA?

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Flexible spending accounts (FSA) and health savings accounts (HSA) are like personal savings accounts for medical expenses. The funds in these accounts are deposited on a pre-tax basis and can be applied to our services.

My insurance changed.  How do I inform Octave?

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Please submit this form if your insurance has changed. Once submitted, a Billing Specialist will complete a verification of benefits and email you with details regarding your coverage.