Session Costs & Copay Questions
How much will my session cost?
Session costs vary based on your provider type (therapy vs. psychiatry), your insurance plan, and whether the provider is in-network or out-of-network.
If you are using insurance:
We will verify your benefits and provide an estimated cost prior to your appointment. See more on costs estimated below.
If you are in network, you are only responsible for your copay, coinsurance, or deductible as determined by your insurance.
If you are out of network, you are responsible for paying out of pocket
If you are paying out-of-pocket:
How the billing process works:
- A few days before your first session, we’ll verify your account associated with your payment method on file has available funds via a $0.01 test charge.
- After your session we will charge you will be charge your estimated session cost. See more on costs estimated below.
- Your insurer will review your claim. Although uncommon, your insurer may adjust the final cost based on plan details, like whether you’ve met your deductible.
- If you were overcharged, we’ll refund you the difference. If you were undercharged, we’ll send you an email and you’ll be automatically charged for the outstanding balance.
How we estimate session costs
- Your session cost is our best estimate for how much you’ll pay, based on what we know today about your insurance plan’s benefits and your provider’s typical services.
- We do our best to get this estimate right—based on our relationships with insurance companies and experience with hundreds of different plan types. The final cost usually matches or comes close to this number.
- As a reminder, you can always reach out directly to your insurance company to confirm benefits, coverage and plan details.
Why your session cost may have changed
- Occasionally, the final session cost will differ from our estimated cost. This is because there’s certain information we can’t know for sure—based on the way insurance claims get processed—until after you’ve attended your session.
- A few common examples:
- In a given year, plans usually require you to pay a set amount of money yourself before you reach a deductible or out-of-pocket max (dollar amount thresholds). We don’t always have immediate visibility into whether you’ve reached these thresholds, and sometimes our estimate is wrong as a result.
- When your plan resets at the end of the year, that can change your deductible status (see above). Also, if you select a new plan with different benefits (like a different co-pay or a higher or lower deductible), that can also change your benefits.
- Our cost estimate might assume one type of appointment (such as a 45-minute talk therapy session), only for your visit to be different (such as a 90-minute session involving medical evaluation and prescription). Depending on your plan, different sessions like these can result in changes in the final cost.
- While we’re familiar with most insurance plans, some involve special circumstances, such as different coverages between an umbrella and subsidiary company. Sometimes, these details are not initially clear until we get final information from your insurer.
- If your insurance plan resets at the end of a month, and you don’t update your plan details through 3Y Health, it can result in an automatic charge for the full cost of care*. To avoid any additional charges, be sure to always have an active insurance plan on file. If you don’t have an active insurance plan, you can switch to private pay for future sessions.
Common Questions:
💬 “Why do I see a $0.01 charge before my session?”
→ To ensure your payment method is valid, our system will place a $0.01 test charge when you first enter your card. This is not an actual charge and will drop off your statement within a few business days.
💬 “My cost looks higher than expected.”
→ Sometimes, your deductible or out-of-network status can affect cost. We’re happy to review your benefits with you.
Need help?
Just email support@3yhealth.com or text (346) 576-8127 and we’ll walk you through it.