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Fees & Insurance
Investing in Your Mental Health
Starting therapy might feel like a big step. For some, one of the first questions is: How much does this cost? At Provia Psychology, we believe that access to thoughtful, evidence-based mental health care is one of the most valuable investments you can make in yourself or your family.
Our practice serves clients in Long Beach, Newport Beach, and via telehealth throughout California. We offer a mix of in-network and out-of-network services depending on the therapist you choose. This page is designed to help you understand your options and what to expect when it comes to cost and insurance coverage.
Do You Accept Insurance?
Yes, some of our therapists accept insurance directly, while others are considered out-of-network providers. Insurance eligibility depends on the provider you’re seeing.
We are currently in-network with the following insurance plans:
- United Healthcare
- Optum
- Aetna
- Cigna
If you're looking to use insurance, we encourage you to contact us directly so we can help match you with a therapist who is in-network with your plan.
Therapy Fees & Insurance FAQs
What If My Therapist Is Out of Network?
If you're working with a therapist at Provia who is out of network, you may still be able to use your insurance benefits—especially if you have a PPO plan.
Here's how the process typically works:
1. You pay your therapist directly at the time of your session.
2. We provide you with a superbill, which is a detailed receipt with the information your insurance company requires.
3. You submit the superbill to your insurance provider for potential reimbursement.
Many of our clients are surprised to learn that they qualify for partial reimbursement through their out-of-network benefits.
If you're unsure, we can help guide you through how to check your coverage.
What are your session fees?
Session fees vary depending on the therapist and service provided. Most therapy sessions are 53 minutes in length. While we do not list individual therapist fees on this page, our team is happy to discuss rates during your consultation.
Fees are due at the time of service. We accept:
- Credit and debit cards
- HSA and FSA cards
If cost is a concern, we are happy to help connect you with a provider on our team who offers lower-fee options—or refer you to trusted low-cost providers in the area.
Using an HSA or FSA
You may use a Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for sessions, whether your therapist is in-network or out-of-network. These tax-advantaged accounts can also be used toward psychological testing and other eligible services.
Why Do Some Therapists Not Accept Insurance?
Some of our providers choose to remain out of network in order to:
- Offer more flexibility and privacy
- Customize your care without insurance limitations
- Avoid diagnosis or documentation requirements that may not apply
Even if your therapist is out of network, you can often still use your PPO benefits. We’re happy to walk you through how that works.
