Insurance & Fees
How do you work with insurance?
At Simi Psychological Group, we are out-of-network providers. This means we do not bill insurance directly or accept reimbursement from insurance companies.
We choose this model so your care can stay private, personalized, and guided by what you actually need — not by the limits, timelines, or restrictions of managed care.
That said, many clients with PPO insurance are able to receive partial reimbursement for therapy. Depending on your plan, PPO benefits may reimburse a portion of your session fees, often around 50–80%. Our team is here to help you understand what your plan may cover and what steps are available to you.
Unfortunately, HMO, Medi-Cal, and Medicare plans typically do not reimburse for out-of-network therapy, since they require you to see a provider within their panel.
You are not alone in this process
Insurance can feel confusing, especially when you are already reaching out for support. We do not expect you to figure it all out by yourself.
Our operations and billing support team can help you:
• Understand your out-of-network benefits
• Check what reimbursement may be available through your plan
• Receive the proper documentation, called a superbill
• Learn how to submit superbills for possible reimbursement
• Explore whether Mentaya may be a helpful option for you
We also offer additional support through Mentaya, a third-party platform that can work directly with your insurance company to make the reimbursement process easier. When appropriate, superbills can be submitted on your behalf, and Mentaya’s team can help manage the claim process so you have less to handle on your own.
Our goal is to make the financial side of therapy feel as clear and supported as possible, so you can focus more fully on getting the care you came here for.
Check my out of network benefits
Please note reimbursement information is used with an average fee of the practice. You may opt to verify this information with your insurance carrier directly.
What are your fees?
The session fees depend upon the clinician you and your family choose to see for treatment. Please contact us directly to ask about our individual fees.
What form of payment do you accept?
We accept all major forms of payment including cash, major credit cards, and checks. We also accept HSA and FSA cards.
What is your cancelation policy?
Please provide us with 48-hour cancelation prior to your appointment. It is difficult when cancellations are made with less than 48-hour notice as we hold a specific time slot for you. If you are unable to provide us with 48-hour notice than the full session fee will be charged for your appointment. For your convenience, we offer email and/or text message appointment reminders 72 and 48 hours prior to your appointment.
Do you offer reduced fee options?
We offer reduced rates for select daytime appointments when available.
You can ask about availability when you reach out.
Good faith estimate
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.
You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.