Therapy in Philadelphia that takes your insurance
Turning Leaf works with Aetna, several Blue Cross Blue Shield plans, United Healthcare and Optum. Ask intake to check your specific plan and proposed clinician. IBX and Cigna are out of network. We are not accepting new clients enrolled in Medicare or Medicaid, including Medicare Advantage, Pennsylvania Medical Assistance and NJ FamilyCare, even if they wish to pay privately. See our Medicare and Medicaid policy.
Most in-network clients pay a copay of $15 to $50 per session after any deductible. Without insurance, sessions are $130 to $200. A coordinator verifies your benefits before your first session, so you know your cost in advance, whether you meet in person in Old City, Philadelphia, or by secure video across Pennsylvania and New Jersey.
Which plans we take
Medicare and Medicaid: We are not accepting new clients enrolled in these programs, including Medicare Advantage, Pennsylvania Medical Assistance and NJ FamilyCare. This policy applies even if you wish to pay privately. Existing clients with a coverage change should contact their therapist and intake team. Read the policy.
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. Our cost guide walks through copays, deductibles, and superbills in plain English.
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
For commercial plans such as IBX or Cigna, ask intake to confirm your fee and payment arrangements before scheduling. If your plan has out-of-network benefits, a superbill may support a reimbursement claim, but payment depends on the plan’s rules and benefits. This commercial-plan process is separate from our Medicare and Medicaid new-client policy, which has no private-pay exception.
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. Insurance benefits for online therapy vary by plan and clinician. Before scheduling, ask our intake team to help check the proposed clinician’s participation and your expected deductible, copay, or coinsurance.
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 commercial plan has out-of-network benefits, a superbill may support a reimbursement claim on request, but payment depends on that plan’s rules and your benefits, so confirm the details with your insurer before relying on it. This commercial-plan process does not create an exception to our Medicare and Medicaid new-client policy.
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 |
For the longer version, including what to ask your insurer and how superbills work, read how to use your insurance for therapy in PA and NJ.
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 not accepting new clients enrolled in Medicare or Medicaid, including Medicare Advantage, Pennsylvania Medical Assistance and NJ FamilyCare. Please contact your plan for help finding participating therapists.
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?
Your plan may cover online therapy with a participating clinician. Coverage and your share of the cost depend on your specific benefits, including any deductible, copay, or coinsurance. Ask our intake team to help check the proposed clinician and plan before your first appointment.
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.
Request your match.
Name your plan in the intake and we will confirm your coverage before you schedule.
HIPAA-secure. Reviewed personally by our intake coordinator team. Response in 1 to 2 business days.