Fees & Insurance
Clear costs. Informed choices about your care.
Love. Light. Evidence. We aim to bring clarity to the practical steps of care. Review session fees, then ask our team to confirm your clinician’s rates, benefits, and payment options.
Insurance & reimbursement
Accepted plans
Insurance & employee benefits
We accept the following plans:
- Fee-for-service Medi-Cal (often called straight Medi-Cal)
- CalOptima
- Lyra Health
Eligibility and participation must be confirmed for your plan, service, and individual clinician.
Other coverage options
Single-case agreements
We may be able to arrange a single-case agreement with plans such as Anthem, Molina, or Health Net. These agreements require insurer approval and are evaluated individually. Coverage is not guaranteed.
Our collaboration with Wynning Foundation, Inc.
Illuminate Psychotherapy® is affiliated with Wynning Foundation, Inc., a nonprofit 501(c)(3) organization. If you have Aetna, we can refer you to Wynning Foundation to explore care options through its network.
Wynning Foundation offers five free sessions through the Children and Youth Behavioral Health Initiative (CYBHI), subject to program eligibility and availability. Contact Wynning Foundation to confirm details.
A superbill may be available for out-of-network benefits. Ask your insurer about eligibility, deductibles, and reimbursement before starting care.
Payment & appointment policies
Good Faith Estimates under the No Surprises Act
If you are uninsured or choose not to use insurance (self-pay), federal law provides the right to a Good Faith Estimate of expected charges. The statute requires the notice to be in “clear and understandable language.” (42 U.S.C. § 300gg-136 ↗). Ask us for an estimate when scheduling or before services. If a provider’s bill is at least $400 more than that provider’s estimate, you may be able to use the federal patient-provider dispute process. Learn about your rights ↗.
How do I pay?
Our published payment options include cards, HSA payments, cash, Apple Pay, Venmo, and Zelle. A card on file is required to schedule. Please ask our team about the payment method for your appointment.
What is the cancellation policy?
Please provide at least 24 hours’ notice for cancellations. Late cancellations and missed appointments are subject to the practice’s cancellation policy and applicable payer rules. Your intake documents explain the terms that apply to your care.
Where can I find invoices?
Existing clients can sign in to the client portal to access billing information and statements.