Insurance
Out-of-Network Therapy Reimbursement: What You'll Actually Get Back
Out-of-network therapy runs $150–$250 a session, but with OON benefits you can recoup 50–80% — often $90–$160 back per visit. Here's how the math works.
Read Guide →Employer Mental Health Benefits 2025–2026: EAP Sessions, Parity Laws, and What to Actually Use
Your employer likely offers 3–12 free therapy sessions through an EAP. SHRM data shows 83% of employers offer EAPs. Here's how to use yours and what else your benefits cover.
Read Guide →Medicaid Therapy Coverage: What Mental Health Benefits You Actually Get
Medicaid covers therapy, psychiatry, and medications in all 50 states — but benefits vary by state and managed care plan. Here's what's covered and how to use it.
Read Guide →Mental Health Insurance Denial Appeal: How to Fight Back and Win
40% of appealed mental health insurance denials succeed. Here's the step-by-step process for internal and external appeals, with a sample appeal letter template.
Read Guide →Therapy HSA/FSA Eligible 2025–2026: What Qualifies and How to Use Your Account
Therapy is HSA and FSA eligible when medically necessary. Here are HSA contribution limits for 2025, what qualifies, and how to pay for mental health care tax-free.
Read Guide →Therapy Insurance Coverage: How the Mental Health Parity Act Works in Practice
Insurance must cover mental health care like medical care — but doesn't always. Here's how the Mental Health Parity Act works, what your copays should be, and what to do when your insurer says no.
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