Therapy in Philadelphia that takes your insurance
Turning Leaf Therapy is in-network with Aetna, Blue Cross Blue Shield plans including Highmark, Horizon BCBSNJ, Capital, Anthem, Empire, and the Federal Employee Program, United Healthcare, Optum Behavioral Health, and Pennsylvania VCAP. We are out-of-network with Independence Blue Cross, Cigna, Medicare, and Medicaid, and we provide superbills for out-of-network reimbursement.
Turning Leaf Therapy is in network with Aetna, the Blue Cross plans (Highmark, Capital, Anthem, Empire, the Federal Employee Program, and Horizon of New Jersey), United Healthcare, Optum, and Pennsylvania VCAP. Most in-network clients pay a copay of $15 to $50 per session. Without insurance, sessions are $130 to $200. A coordinator verifies your benefits before your first session, so you know your cost in advance.
Which plans we take
If your plan appears in the right column, we are out of network with it. That does not mean you cannot work with us: we provide a superbill after every session that you can submit to your insurer for out-of-network reimbursement.
What you will actually pay
With an in-network plan, your cost per session is normally a copay between $15 and $50 once any deductible has been met. Some plans waive the deductible for outpatient behavioral health entirely, which means the copay applies from your very first appointment. Others apply the plan’s negotiated rate until the deductible is satisfied, and that negotiated rate is typically lower than our self-pay fee.
Your deductible is the amount you pay out of pocket each plan year before your insurer begins sharing costs. A copay is the flat per-session amount after that; some plans use coinsurance instead, a percentage of the session rate. These are the three numbers that determine your cost, and they are specific to your plan rather than to us.
Without insurance, sessions are $130 to $200 depending on the clinician’s license level and experience, and you can pay with an HSA or FSA card. Every session is 53 minutes and most clients meet weekly. Full details are on the rates page.
What to ask your plan
You are welcome to let us do this for you. If you would rather call yourself, these five questions get you everything that matters:
- Do I have an outpatient mental health benefit, and is a referral required?
- What is my copay or coinsurance for an outpatient therapy session?
- What is my deductible, and how much of it have I met this year?
- Is telehealth covered at the same rate as an in-person visit?
- If I use an out-of-network provider, what is my out-of-network deductible and reimbursement rate?
What we treat, covered
Each of the concerns below is covered as a standard outpatient behavioral health benefit under the plans we participate in.
- Anxiety, including panic, social anxiety, and chronic worry.
- Depression, low mood, and burnout.
- Trauma and PTSD, including complex and developmental trauma.
- Grief and loss, including traumatic and perinatal loss.
- Life transitions, from divorce to parenthood to retirement.
- Relationships and the patterns you carry into them.
If we are out of network with your plan
We are out of network with Independence Blue Cross, Cigna, Medicare, and Medicaid. In that case you pay the session fee of $130 to $200 at the time of service, and we give you a superbill: an itemized receipt with your diagnosis, the service provided, and the CPT codes your insurer needs. You submit it to your plan, usually through a member portal, and any reimbursement comes back to you directly.
Whether your plan reimburses, and how much, depends entirely on your out-of-network benefits. We will not quote you a percentage, because we cannot know it. Ask your insurer whether you have out-of-network outpatient mental health coverage and what your out-of-network deductible is, and you will have your answer in one call.
How in-network coverage works
If we are in-network with your plan, you pay a copay, typically $15 to $50 per session after your deductible is met, and we bill your insurer for the rest. Sessions are 53 minutes, in person in Old City or by secure video across Pennsylvania. Telehealth is covered at parity with in-person care by the plans we accept.
In-network
Not in-network
Out-of-network, explained plainly
A superbill is a detailed receipt that includes your diagnosis, the service provided, and CPT codes, which you submit to your insurer for out-of-network reimbursement. If your plan has out-of-network benefits, most PPO plans reimburse 50 to 80 percent of the allowed amount for each session after you meet your out-of-network deductible. We provide a superbill after every session on request, and reimbursement typically arrives within two to four weeks of submission.
Verify your benefits in one call
Call the member services number on your insurance card and ask five questions: Do I have outpatient mental health benefits? What is my copay or coinsurance? What is my deductible, and how much of it have I met? Is there a session limit? Do I need a referral?
| In-network | Out-of-network | |
|---|---|---|
| Your cost per session | $15 to $50 copay after deductible | $130 to $200 up front |
| Paperwork | None; we bill your insurer | Superbill provided after every session on request; you submit it |
| Reimbursement | Not needed | 50 to 80 percent of the allowed amount after your out-of-network deductible, typically within two to four weeks |
Frequently asked questions
Do you take Independence Blue Cross?
No. We are out of network with Independence Blue Cross, including Keystone Health Plan East. Sessions are $130 to $200 and we provide a superbill after every session that you can submit for out-of-network reimbursement. Whether your plan reimburses, and at what rate, depends on your out-of-network benefits, which your insurer can confirm in one call.
Do you take Medicare or Medicaid?
No. We are out of network with both Medicare and Medicaid, and out-of-network reimbursement generally does not apply to these plans, so care with us would be self-pay at $130 to $200 per session. If that is not workable, tell our intake team and they will point you toward lower-cost options in the region rather than leave you searching alone.
How do I know what my copay will be?
Your copay is set by your plan, not by us, and it typically falls between $15 and $50 per session for in-network clients after any deductible. The fastest way to know your exact number is to send the intake form and let a coordinator verify your benefits, which happens before your first appointment.
Do you verify my benefits for me?
Yes. Tell us your plan when you reach out and a coordinator confirms your outpatient mental health benefit, your copay or coinsurance, and your deductible status before your first session. You will know your expected per-session cost before you commit to anything.
Is telehealth covered the same as in person?
Under the plans we accept, telehealth sessions are covered at parity with in-person visits for Pennsylvania residents, with the same copay. New Jersey clients should confirm telehealth benefits with their plan; Horizon BCBS of New Jersey members are in network with us.
What if I want to pay privately instead of using insurance?
That is a legitimate choice, and some people prefer it for privacy since insurance billing requires a diagnosis. Self-pay sessions are $130 to $200 depending on the clinician, payable by credit, debit, HSA, or FSA card. Under the No Surprises Act you are entitled to a Good Faith Estimate of expected charges, which we provide.
Last updated July 2, 2026
Request your match.
Name your plan in the intake and we will confirm your coverage before you schedule.
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