No, unfortunately Octave does not currently accept Medicare or Medicaid plans, and due to federal regulations, we cannot provide services to anyone who is covered by Medicare or Medicaid - even if they want to pay out of pocket.

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.

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.

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 superbill, please email support@findoctave.com.

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.

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.

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%.

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.

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.

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.

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.

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.

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.