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Insurance & Payment Options.
We accept a range of insurance plans. Cost details are always reviewed with you before your first session.
Last updated: July 2026
Accepted Insurance & Payment
What we accept
We accept the following insurance plans and payment options for therapy services.
- Partnership HealthPlan of California (Medi-Cal)
- Medicare
- Medi-Medi
- Private pay (HSA/FSA, credit/debit, or check)
- Out-of-network superbills available for reimbursement
Estimated co-pays, deductibles, and out-of-pocket costs are reviewed and explained during your intake process before the first session.
Don't see your plan? Contact us. Coverage changes frequently and we may be in-network with additional plans not listed here.
Understanding Your Costs
What to expect
Cost details are always reviewed before your first session. Here is what to know in advance.
- Partnership HealthPlan (Medi-Cal) patients typically owe no out-of-pocket cost for covered sessions.
- Private pay rates are shared when you reach out and vary by session type and modality.
- Sliding-scale fees are available based on financial need. Ask during intake.
- Out-of-network patients can request an itemized superbill for possible reimbursement from their insurer.
- HSA and FSA cards are accepted. Therapy qualifies as an eligible medical expense under most plans.
- Confirm with your insurer whether preauthorization is required before your first session.
Questions about your specific situation? Reach out before your first appointment and we will walk you through it.
Partnership HealthPlan of California
PHP members: your therapy is typically free.
PMHS is a contracted Partnership HealthPlan provider. If you have PHP through Medi-Cal, outpatient mental health sessions are covered with no copay for most members. No referral required. No waitlist.
We serve all 24 PHP counties via telehealth, including Humboldt, Siskiyou, Trinity, Mendocino, Shasta, Lake, Solano, Napa, Yolo, Sonoma, Marin, and Butte.
Your Rights Under Federal Law
Good Faith Estimate
Under Section 2799B-6 of the Public Health Service Act, providers must give patients who are uninsured or not using insurance a Good Faith Estimate of expected charges. You have the right to receive this estimate for the total expected cost of any non-emergency items or services, including related costs like medical tests, prescription drugs, equipment, and hospital fees.
Your provider must give you a Good Faith Estimate in writing at least one business day before your service. You can also request one before scheduling. If your final bill is $400 or more above the estimate, you have the right to dispute it — keep a copy of your estimate for your records.
For more information, visit cms.gov/nosurprises or call 1-800-985-3059.