You finally find a therapist who feels like a good fit. You're reading through their profile, and something clicks. You think, This is the one. You're ready to reach out. You want to move forward.
And then that one big question hits: "How am I supposed to pay for this?"
Naturally, your mind goes to insurance. That's what it's there for. So, you check to see if your plan is accepted.
But then you see it: "Does not accept insurance."
Just like that, it feels like the door closes.
You may feel discouraged. Maybe even frustrated. And I want you to know—that makes sense. You're trying to take care of yourself. You're doing the work. And yet, the system makes it feel more complicated than it should be.
If you've ever asked yourself, "Why can't I find a therapist that takes my insurance?" —please know this: It's not just you. And you're not out of options.
Let's break this down together.
Why Many Therapists Don't Take Insurance
This part often surprises people, so let's be honest about it. Most therapists don't accept insurance—not because we don't care, but because the system can get in the way of the care you deserve.
Insurance companies can:
Control how often or how long you are seen.
Offer low reimbursement rates
Require you to have a mental health diagnosis to qualify
Put your therapist through hours of unpaid paperwork
For many of us, that takes time and energy away from what matters: you.
At Dahlia Rose Wellness Center, we're intentionally out-of-network. Why? Because we want to give you quality care without compromise. We serve professionals, leaders, and creatives who value privacy, autonomy, and depth in their healing process. And being out-of-network gives us room to hold that space for you.
But being out-of-network doesn't mean you can't use your insurance.
It just means you'll use it differently. Let's walk you through how.
What to Do When Your Therapist Is Out-of-Network
If you've found someone you feel connected to, don't let "out-of-network" scare you off. There are several ways to make therapy more accessible, even if your therapist doesn't directly bill your insurance.
Here are six options that many of our clients use—and we'll help you decide what's best for you.
6 Ways to Make Therapy More Accessible (Even Without In-Network Coverage)
1. Superbills: The Key to Your Reimbursement
What it is: A superbill is a detailed receipt that shows your insurance company what services you've received.
How it works: You pay for your sessions out-of-pocket. Then, you submit the superbill to your insurance to request reimbursement.
Why we use it: At Dahlia Rose, we send out monthly superbills so you can get some of your investment back. Think of it as a way to return that money to your wellness.
Best for: Folks who don't mind managing paperwork can follow up with their insurance provider.
What you should know: It's not instant. Reimbursement takes time. But for many, it's worth it—and we'll show you exactly how to submit it if you need help.
2. Use Your HSA or FSA
What it is: An HSA (Health Savings Account) or FSA (Flexible Spending Account) lets you use pre-tax dollars to pay for qualified healthcare—including therapy.
How it works: You swipe your HSA/FSA card at the time of your session, just like a debit card.
Why we use it: It's convenient, and there's no need to submit a claim for reimbursement later.
Best for:
Clients with employer-sponsored benefits or high-deductible health plans.
Anyone who wants to budget ahead and pay for therapy in a tax-friendly way.
What you should know: If you have one of these accounts, it's one of the easiest ways to cover therapy.
What it is: A nonprofit fund that provides free therapy vouchers to Black women and girls.
How it works: You apply through The Loveland Foundation. If approved, you get vouchers to cover your therapy sessions.
Why we use it: We believe therapy should be accessible—especially for Black women, who are often underserved and overlooked.
Best for:
Black women and girls ready for therapy but navigating financial constraints.
Clients who need short-term support to get started or stay consistent in care.
What you should know: Clients use TLF vouchers to remain healing during challenging financial moments.
4. Thrizer: No Insurance Hassle
What it is: A platform that handles payment and insurance claims for you.
How it works: You pay Thrizer at a reduced rate. They submit the claim to your insurance, and you receive any reimbursement owed—without lifting a finger.
Why we use it: Thrizer takes the guesswork out of using your insurance—just clarity.
Best for:
Clients who want a hands-off experience.
Professionals who don't have time or energy for insurance back-and-forth.
Anyone who qualifies for out-of-network benefits and wants it to feel easy.
What you should know: Thrizer also has a real-time benefits calculator to help you understand what your insurance might cover before you start.
5. Mentaya: Your Claim Concierge
What it is: A secure platform that manages therapy claim submissions for you.
How it works: We log your sessions into Mentaya. They submit your claims and follow up with your insurance company until you get reimbursed.
Why we use it: Mentaya is perfect for clients who've felt shut down or discouraged by the process in the past.
Best for:
Clients with out-of-network benefits who want support from start to finish.
Anyone who wants a guarantee—Mentaya refunds their service fee if the insurance company does not claim it can't be processed.
What you should know: It takes the emotional labor out of the process. And that alone can be worth it.
6. Reimbursify: DIY, Simplified
What it is: A mobile app that helps you submit your therapy claims to insurance.
How it works: You upload your superbill, enter your insurance info, and let Reimbursify handle the rest.
Why we use it: It's an excellent option for clients who want control but still want tools to simplify the process.
Best for:
Clients who are comfortable managing their claims but want an easier path.
Those who like tech and want to track everything in one place.
You Don't Have to Settle or Start Over
So, if you've been thinking, "Why can't I find a therapist that takes my insurance?"
Know this:
You're not asking for too much; you're simply trying to take care of yourself in a system the creators did not design with your healing. But there are workarounds. There are tools. And there are therapists—like us—who will help you navigate it. You don't have to give up on the right fit just because of an insurance line on a profile.
At Dahlia Rose Wellness Center, we'll help you explore every option available. Whether it's Superbills, Thrizer, Mentaya, HSA/FSA, or Loveland Therapy Fund—we'll meet you where you are and help you move forward.
Because healing should feel supported.
And you deserve clear, kind, and designed care for you.
Ready to take the next step?
Schedule your consultation here. We'll walk through your needs and your options and help you create a plan that works.
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