FAQs - Insurance & Payments

Yes. SonderMind providers are in-network with most major insurance plans – including HSA, FSA, EAP, Medicare and Medicare Advantage plans. We also offer affordable self-pay rates if you aren't using insurance. Call 844 - THERAPY for more information. Regrettably, SonderMind providers are not currently in-network with Medicaid or Tricare. For the most up-to-date information, visit sondermind.com/insurance.

SonderMind accepts Cigna and Optum (United Healthcare) EAPs. You will need three things to get started with your EAP: authorization number, number of sessions, and eligibility dates. Any sessions beyond what is covered by the EAP will be submitted to your insurance, or as self-pay. EAP information can be added within the Account section of your SonderMind account. 

SonderMind offers self pay rates for individuals who do not have insurance, or prefer not to use their insurance benefits. Due to regulations, we cannot offer self pay rates to clients who have Medicaid as their primary insurance. The exact cost of your care depends on several factors, including the length of the session you agree on with your provider and the type of care.

SonderMind can bill multiple insurance plans for your care costs. To add insurance policies to your account within the online portal, follow the instructions below. If we need more information, we’ll contact you to make sure we get it right. ‍ 

New to SonderMind? 

• When filling out the online questionnaire to get started, you can indicate that you will pay with multiple insurances. You can also give us a call. If the insurance plans you'll be using are accepted by SonderMind, we’ll ensure that you’re matched with a provider who takes all of your insurance plans. To learn more about insurance plans we work with, visit sondermind.com/insurance.
• When initially making your SonderMind account, you’ll be able to enter each of your insurance plans, one at a time. 
• Once you’ve completed your account, you can always add other insurance plan(s) by navigating to your portal, clicking on the Account page, and selecting the Insurance tab. 

Already seeing a SonderMind provider? 

• Navigate to your portal and click on the Account page. 
• On the Account page, select the Insurance tab. 
• Click “Add New Insurance” and input your information. 
• We’ll ask you if you want to bill all of your insurances — select “Yes.” 

We may ask you a few follow-up questions to better understand the order in which to bill your insurances. For example, which coverage is your primary insurance versus your secondary.

When using multiple insurances, you will only be charged if there is a remaining balance after we have heard back from all insurances on file. Due to the individual nature of insurance plans, it is the client's responsibility to establish a coordination of benefits with their insurance companies. This usually takes 30-60 days but can depend on your coordination of benefits or processing delays. After your claim has been reviewed and processed, we will bill you for any remaining balance from your session. You will receive an invoice 3 days before the scheduled charge.

Processing timelines vary by insurance company. Typical processing timelines are 30 to 90 days. If this time has elapsed and you have not received an invoice, we recommend reviewing or requesting an Explanation of Benefits from your insurance carrier.

SonderMind providers are in-network with most major insurance plans - including HSA, FSA, EAP, Medicare and Medicare Advantage plans. As SonderMind expands to new states, more insurance plans will be coming. We also offer affordable self-pay rates if you aren't using insurance. SonderMind providers are not currently in-network with Medicaid or Tricare.

Call 844 - THERAPY for more information.

Your method of payment can be updated within the Account section of your SonderMind account. When a new method of payment is added, it will become your default. You may update the default method of payment at any time. If you are replacing the method of payment on file, a new card must be added before the existing card can be deleted. For billing purposes, we cannot remove credit card information on active client accounts.

Your insurance can be updated within the Account section of your SonderMind portal. When adding insurance, always select the state where you will be located during your appointments.  We submit all claims based on your location, your local insurance office will transfer the claim as needed to ensure it is processed correctly. Before saving your information, double-check that it is correct, as inaccurate information can lead to delays or issues with the billing process.

SonderMind providers are not currently in-network with Medicaid. Federal regulations currently prevent mental health care providers from accepting self-pay for Medicaid beneficiaries, and therefore, we cannot offer self-pay rates to clients who have Medicaid as their primary insurance. 

SonderMind is beholden to the processing timeline of each insurance company. Charges will be applied once insurance has processed a claim and identified a remaining balance owed. In some cases, your card will be charged before processing if benefits verifications read a copay or coinsurance. Typical processing timelines are 30 to 90 days but can be delayed for several reasons. If you receive an invoice for an appointment that happened several months ago, we recommend reviewing or requesting an Explanation of Benefits from your insurance carrier. Additionally, you can fill out our Contact Us form to speak with our team.

Payment plans may be available for your past due balances for more information on payment plan options please contact us. 

SonderMind is unable to bill out-of-network insurance benefits. If your insurance is not in-network, we have self pay rates available. We are happy to provide receipts for your charges but cannot guarantee out-of-network reimbursements through any insurance plan.

SonderMind invoices are based on the responsibility determined by your individual insurance plan. Your insurance carrier will provide you with an Explanation of Benefits for each claim containing details about the payments they have made as well as your responsibility. If for any reason these amounts do not match, contact us. 

Your out-of-pocket costs for care can vary greatly depending on your individual insurance plan, applicable copays, and deductibles.

We recommend calling your insurance company directly to determine what your out-of-pocket costs will be, specifically for mental health care.

If you are not using insurance, see our self-pay rate tables for therapy and psychiatry.