Therapy Costs & Insurance

TL;DR: Most private practice therapists in San Francisco do not accept insurance directly. That does not mean insurance cannot help. If you have a PPO plan, you may be eligible to have 50 to 80 percent of session costs reimbursed through out-of-network billing. This post explains how that works, what to ask your insurer, and what the real number looks like once reimbursement is factored in. Erica Spartos, LMFT #81057, has maintained a private practice in San Francisco for nea