Payment Options

At Kyle Lincoln Counseling Services, we strive to make quality mental health care accessible and affordable for all. We accept a variety of insurance plans, as well as self-pay options for those without insurance or who prefer to pay out of pocket.

Insurance Plans Accepted

We accept the following commercial insurance plans:

Aetna
Blue Cross Blue Shield (any state)
Carelon Commercial Plans
Emblem Non-HMO
First Health
Harvard Pilgrim Health Care
Medex
New York State Empire Plan
Optum
Tufts Health Plan (Commercial)
United Behavioral Health
United Healthcare
Wellpoint

We also accept the following Mass Health insurance plans:

Carelon
Tufts Health Plan (Public)
WellSense Health Plans (formerly BMC)
Wellforce Care Plan (Fallon Health)

Please note that some plans, such as Optum and United Healthcare, are behavioral health plans that are connected to networks like Mass General Brigham Insurance. Check the back of your insurance card to see if you have a different company contracted to manage your behavioral health plan.

If your insurance provider is not listed above, and you are willing to self-pay, please feel free to contact us. We can discuss your options.

Understanding Your Coverage

Mental health benefits can vary widely by insurance provider and plan. Typically, a client with commercial health insurance has a copayment for counseling sessions. To make the process easier, we recommend contacting your insurance company directly to verify the following:

Coverage for outpatient mental health services
Co-pay or co-insurance amounts
Deductible and out-of-pocket requirements
Authorization requirements (if any)

Here is a great resource on how to read your insurance card. Our team is happy to assist you in navigating these details to ensure a smooth and stress-free experience.

Sliding Scale for Therapy Sessions

We understand that everyone's financial situation is unique, so we offer a sliding scale to make counseling accessible for clients paying out of pocket. The scale adjusts session fees based on your annual income, ensuring affordability while maintaining high-quality care.

*This example is based on the 2024 Federal Poverty Level and the MIT Living Wage Calculator for a single, Massachusetts resident living in Essex County who is without children. Income is based on annual income before taxes.

**If your income is below 133% of FPL, then you are eligible for MassHealth. Apply here. If your income is greater than 133% of the FPL, then you can still enroll in a MassHealth plan with monthly premiums.

Out-of-Network Coverage

If we are not in-network with your insurance, I can provide you with a superbill. This is a receipt for services with codes that you can submit to your insurance company for potential reimbursement, depending on your plan’s Out-of-Network Benefits.

Refer to the image (credit: Practice of the Practice) to understand how deductibles and reimbursements may apply in your case.

Mentaya

If you are seeking reimbursement for out-of-network therapy sessions, I recommend Mentaya, a platform that simplifies the claims process and helps clients get money back from their insurance. Mentaya handles the paperwork and files claims on your behalf, making it easier to access your out-of-network benefits. They charge a 5% fee per claim and have helped clients recover significant amounts annually.

You can learn more and sign up here.

Please note: Using Mentaya is completely optional, and I do not receive any benefit from your participation. It is simply a tool I recommend for your convenience.

Questions?

If you need further assistance, please do not hesitate to reach out. We are here to help!

Page last updated: 1/17/2025