Open Heart Communities

Out-of-Network Services & Private Pay Options

 

Open Heart Communities is an out-of-network provider. This means we do not bill insurance directly.

 

However, did you know your insurance might help cover the cost of therapy, even if we're not in-network? Many plans offer out-of-network benefits, which means you could get reimbursed for a portion of each session.

 

And you don’t have to figure this out on your own. OHC can check your benefits for you and let you know exactly what you’d pay per session before we even get started.

 

If you have OON benefits, you may only owe a copay at each session instead of the full fee. Want to see what that looks like for you? Contact us and let’s see.

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Payment Options

 

Payment is due at the time of service and can be made through your secure Client Portal. We accept all major credit and debit cards, including Health Savings Account (HSA) and Flexible Spending Account (FSA) cards.

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We’ve also partnered with Thrizer, a payment solution designed to simplify the out-of-network process. Thrizer pays OHC directly and then works with your insurance to secure your reimbursement—so you only pay your co-insurance, or the amount not covered by your plan. This eliminates the need for upfront full payment and manual claim submission.

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To learn more about how Thrizer works, visit their website:

or feel free to ask us for more details during your intake process.

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Why Choose an Out-of-Network Provider?

 

Choosing the right mental health provider is a personal and meaningful decision. There are several benefits to working with an out-of-network provider:

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• Greater Privacy and Control
  When you pay privately, you are not required to share personal health information—such as diagnoses, treatment goals, or session notes—with your insurance company. This allows for increased confidentiality and autonomy in your care.

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• No Required Mental Health Diagnosis
  Insurance reimbursement requires a formal mental health diagnosis. If you are seeking support for personal growth, life transitions, or concerns that don’t meet the criteria for a diagnosable condition, private pay allows you to receive care without the need to be labeled.

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• No Third-Party Interference
  Insurance companies can place limitations on the type, frequency, or duration of services. When paying privately, your care is guided solely by you and your clinician—based on what is most beneficial for your goals, not what’s permitted by a policy.

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• Unrestricted Testing Services
  Many insurance plans significantly limit coverage for neuropsychological and psychoeducational testing, often resulting in incomplete evaluations. By choosing private pay, your child or teen’s assessment will be comprehensive and tailored to their unique needs.

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• No Reporting to the Medical Information Bureau
  Private pay services are not reported to the Medical Information Bureau (MIB), which can be important for individuals concerned about the impact of mental health records on future applications (e.g., for life or disability insurance).
  Learn more about the MIB:

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• Greater Therapeutic Focus
  With no third-party restrictions, clinicians can devote more time and energy to your care, rather than managing insurance documentation or treatment constraints.

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• Stronger Motivation, Greater Results
  Many clients report increased commitment and engagement when investing directly in their mental health, often resulting in faster progress and more meaningful change.