Therapy Fees and Insurance Information
Investing in yourself
shouldn't feel stressful.
No hidden fees, no surprises. Here's exactly what therapy costs and how insurance works — so you can make an informed decision before you ever reach out.
Dr. Jaime Bercuson, PsyD, offers transparent therapy pricing with no hidden fees. She is an in-network provider with Aetna for clients in Utah, California, and Florida. Cash-pay clients receive monthly superbills for out-of-network insurance reimbursement — many PPO plans reimburse 50–80% after the deductible. All sessions are delivered via secure, HIPAA-compliant teletherapy. A Good Faith Estimate is provided as required by the No Surprises Act.
Session fees
All sessions are 50 minutes and conducted via secure, HIPAA-compliant video. Payment is due at the time of service.
- Phone or video call
- Discuss your goals
- Ask any questions
- Determine fit together
- No commitment required
- Individual teletherapy
- CBT & DBT-based treatment
- HIPAA-compliant video
- Personalized treatment plan
- Monthly superbill provided
- Individual teletherapy
- CBT & DBT-based treatment
- HIPAA-compliant video
- Ongoing skills & strategies
- Monthly superbill provided
Only
- In-network Aetna provider
- Pay only your copay/coinsurance
- Claims filed on your behalf
- Counts toward deductible
- Verify benefits before first session
*I accept most corporate Aetna plans. During your free consultation, I'll direct you to verify your eligibility through my billing platform before your intake session.
How insurance works with my practice
Aetna (In-Network)
I am a credentialed, in-network provider with Aetna. If you have Aetna insurance, you pay only your copay or coinsurance at the time of service — I handle the rest. Your sessions also count toward your deductible and out-of-pocket maximum.
Out-of-Network Insurance
I am not in-network with any plans other than Aetna. However, many clients with PPO plans receive significant reimbursement by submitting a superbill — an itemized receipt with everything your insurance needs to process a claim.
I provide superbills monthly at no additional charge. You simply submit them to your insurance company directly.
Practical details
Accepted Payment Methods
Payment is due at the time of service. I accept all major credit and debit cards, HSA/FSA cards, and ACH bank transfers through the secure client portal.
Cancellation Policy
I require at least 24 hours advance notice for cancellations or rescheduling. Sessions cancelled with less than 24 hours notice are charged the full session fee. This allows me to offer the time to other clients.
Superbills
For clients using out-of-network benefits, I provide a detailed monthly superbill via your secure client portal. Superbills include CPT codes, diagnosis codes, provider NPI, and license numbers — everything your insurer needs.
Confidentiality & Insurance
When using insurance, a diagnosis code is required on all claims, which becomes part of your insurance record. If you prefer that no diagnosis be filed, private pay may be preferable. We can discuss this before beginning treatment.
Use of AI in Documentation
My electronic health record system includes AI-assisted tools that help with clinical documentation, such as drafting session notes. I personally review, edit, and approve all documentation before it becomes part of your record. AI is never used in place of my clinical judgment, and it does not make treatment decisions. Your information is handled in accordance with HIPAA, and I'm happy to answer any questions about this during our first session.
Fees & Insurance FAQ
Call the member services number on the back of your Aetna card and ask: "What are my in-network behavioral health benefits for telehealth outpatient psychotherapy?" Ask about your copay, coinsurance, deductible, and whether pre-authorization is required. You can also check online at aetna.com.
Yes. Mental health therapy is a qualified medical expense under IRS guidelines. You can use your HSA or FSA card to pay for sessions directly — an excellent way to use pre-tax dollars for your care.
Some clients prefer private pay for privacy — using insurance requires a diagnosis on all claims, which becomes part of your insurance record and may affect life or disability insurance applications. Private pay also means no insurance oversight, no pre-authorization, and no session limits.
I have a limited number of reduced-fee slots available for clients who demonstrate financial need. If cost is a barrier, please mention this when you reach out. I believe access to quality mental health care shouldn't depend entirely on financial resources.
Most clients begin with weekly sessions for momentum and faster results. As you progress, we may transition to bi-weekly. Frequency is always discussed openly and adjusted based on your goals — there's no pressure to continue indefinitely.
Common questions about therapy fees
Online therapy session fees vary by provider and location. Dr. Jaime Bercuson, PsyD, is an in-network provider with Aetna, meaning sessions may be covered with just a copay. For cash-pay clients, she offers transparent pricing with no hidden fees. Monthly superbills are provided for clients with other insurance plans to submit for potential out-of-network reimbursement — many PPO clients receive 50–80% back after their deductible.
Yes, Aetna covers online therapy (teletherapy) with in-network providers. Dr. Bercuson is an in-network Aetna provider licensed in Utah, California, and Florida. Coverage details, including copay amounts and deductible requirements, depend on your specific plan. Contact Aetna or check your plan benefits to confirm your coverage.
A superbill is an itemized receipt from your therapist that includes diagnosis codes, procedure codes, session dates, and fees paid. You submit it to your insurance company to request out-of-network reimbursement. Many PPO plans reimburse 50–80% of session fees after the deductible is met. Dr. Bercuson provides monthly superbills to all cash-pay clients.
Under the No Surprises Act, you have the right to receive a Good Faith Estimate of expected charges before starting therapy. This estimate outlines anticipated session costs so you can make informed decisions. If your final bill exceeds the estimate by $400 or more, you have the right to dispute it.
Still have questions about fees or insurance?
Reach out — I'm happy to discuss your specific situation before you commit to anything.