Using Your Out-of-Network Benefits as a Client
Does your health insurance plan have out-of-network (OON) benefits? You can use our free benefits checker below to explore what your health insurance plan may offer. When out-of-network benefits are used, you pay your session fees up front, and then you are potentially able to be reimbursed by your insurance company setting up your Mentaya account. Please see additional information about Mentaya below the benefits checker.
Please note that out-of-networks benefits do not apply to couples counseling or coaching services.
More About Using Mentaya for Out-of-Network Benefits
Using Mentaya for Out-of-Network Benefits
Chesterfield Counseling Associates is a private-pay practice and does not participate as an in-network provider with insurance companies. However, some insurance plans provide out-of-network benefits that may reimburse you for a portion of the cost of counseling services.
To make it easier for clients to understand and use these benefits, we offer access to Mentaya, an independent third-party service that can check your out-of-network benefits and, if you choose to use their service, assist with submitting claims to your insurance company.
Chesterfield Counseling Associates is not affiliated with Mentaya. Using Mentaya is completely optional. You remain responsible for payment of your session fees to Chesterfield Counseling Associates regardless of whether your insurance company provides reimbursement.
You may use the benefits checker above to see whether your insurance plan may include out-of-network benefits.
How Mentaya Works
- Check your out-of-network benefits using the benefits checker above.
- If you decide to use Mentaya, let Chesterfield Counseling Associates know so that your eligible sessions can be entered into the Mentaya platform.
- After your session is verified, Mentaya can submit the claim to your insurance company on your behalf.
- Your insurance company reviews the claim and determines whether reimbursement is available based on your individual plan, deductible, and out-of-network benefits.
- Any reimbursement is determined and paid by your insurance company according to the terms of your plan.
Mentaya’s Fee
Mentaya is a separate service and charges its own fee for processing claims. Please review Mentaya’s current pricing and terms before enrolling.
Important: Verification of benefits is not a guarantee of payment or reimbursement. Insurance coverage and reimbursement decisions are made by your insurance company, not Chesterfield Counseling Associates or Mentaya.