Reviewed by the Family Psychology Associates intake and billing team | Last updated June 2026 | Family Psychology Associates has served Tampa Bay since 1992.
Cost should not be the reason you put off care. Family Psychology Associates works with most major insurance plans, and our intake team verifies your benefits before your first appointment so you know what to expect. This page explains which plans we accept, how therapy coverage actually works, and what to ask your insurer so there are no surprises.
Insurance Plans We Accept
Many of our clinicians are in-network with the following plans:
- Blue Cross Blue Shield (Florida Blue) – see our Blue Cross page
- Aetna – see our Aetna page
- UnitedHealthcare
- Humana
- Medicare
Not every clinician participates in every plan, so when you reach out, our intake team will match you with a clinician who takes your insurance. If you do not see your plan listed, call us anyway. We can often still help through out-of-network benefits or self-pay options described below.
Understanding Your Benefits: Copay, Coinsurance, and Deductible
Insurance language can be confusing, and the same three terms decide most of what you will pay. Here is what each one means in plain terms.
Copay. A copay is a fixed dollar amount you pay at each session, set by your plan. If your plan has a therapy copay, you generally pay that same amount every visit, and your insurance covers the rest. Many plans apply a copay to therapy from the very first session.
Deductible. A deductible is the amount you pay out of pocket each plan year before your insurance begins to share the cost. Some plans cover therapy with just a copay before you meet the deductible. Others require you to meet the deductible first, which means you may pay the full contracted session rate early in the year and less once the deductible is satisfied. This is the single most important number to check before you start.
Coinsurance. Coinsurance is a percentage of the session cost you pay after meeting your deductible. For example, with 20 percent coinsurance, your plan pays 80 percent of the contracted rate and you pay the remaining 20 percent. Coinsurance replaces a flat copay on some plans.
Out-of-pocket maximum. This is the most you will pay in a plan year. Once your combined copays, coinsurance, and deductible reach this cap, your plan covers covered services at 100 percent for the rest of the year.
In-network versus out-of-network. When a clinician is in-network with your plan, they have agreed to your insurer’s contracted rate, which keeps your cost lower and predictable. Out-of-network means there is no contract, so you may pay more, though many plans still reimburse a portion (see superbills below).
How to Verify Your Coverage Before Your First Visit
You can confirm your mental health benefits in a five-minute call to the member services number on the back of your insurance card. Ask:
- Do I have outpatient mental health or behavioral health benefits?
- Is my deductible met, and does it apply to therapy?
- What is my copay or coinsurance for an office or telehealth therapy visit?
- Do I need a referral or prior authorization?
- Is telehealth covered the same as in-person?
Our intake team is glad to run this verification for you. We confirm your benefits before your first appointment and walk you through what you can expect to pay.
If We Are Out of Network: Self-Pay and Superbills
If your plan is one we do not contract with, you still have options. You can see us on a self-pay basis at our standard session rate, and we can provide a superbill, which is an itemized receipt you submit to your insurer for possible out-of-network reimbursement. If your plan has out-of-network mental health benefits, this can return a meaningful portion of the cost. We are happy to explain how it works.
Telehealth and Insurance
We provide telehealth across Florida, and most plans now cover telehealth therapy the same as an in-person visit. Because a few plans still treat them differently, it is worth confirming when you verify your benefits. Telehealth lets you keep care consistent when travel, schedules, or distance would otherwise get in the way.
Psychological Testing and Evaluations
Psychological and neuropsychological testing is handled differently from therapy. Comprehensive evaluations are scheduled as fee-for-service so we can give each case the focused, unhurried time it requires, and we explain the scope and cost before you commit. If you are exploring testing for ADHD, learning differences, or autism, our intake team will walk you through what is involved. Learn more on our psychological testing page.
Frequently Asked Questions About Insurance and Fees
Does insurance cover therapy?
In most cases, yes. Outpatient mental health is a covered benefit on the large majority of plans, though your specific cost depends on your copay, deductible, and coinsurance. The fastest way to know your number is to call the member services line on your card or let our intake team verify it for you.
How much will I pay per session?
It depends entirely on your plan. If you have a copay, you pay that fixed amount each visit. If you have a deductible you have not met, you may pay the contracted rate until it is satisfied. We confirm your benefits before your first session so the number is clear up front.
Do you take my insurance?
We accept Blue Cross Blue Shield, Aetna, UnitedHealthcare, Humana, and Medicare, and not every clinician takes every plan. Tell us your plan when you call and we will match you with a clinician who is in-network with it.
What if you are out of network for my plan?
You can see us on a self-pay basis and we will provide a superbill for you to submit for possible out-of-network reimbursement. If your plan includes out-of-network mental health benefits, this can offset a portion of the cost.
Do I need a referral to start therapy?
Most plans do not require a referral for outpatient therapy, but some HMO plans do. This is one of the questions to ask when you verify your benefits, and we will flag it for you during intake.
Where We See Clients
Family Psychology Associates provides therapy and evaluations at our offices in St. Petersburg, Safety Harbor, and Trinity, and by telehealth throughout Florida. To request an appointment or have us verify your benefits, visit our Contact Us page.
A Note on This Information
This page is general information about insurance and billing and is not a guarantee of coverage. Benefits, copays, and costs vary by your individual plan, and final coverage is determined by your insurer. Our intake team verifies your specific benefits before your first appointment.