Care that works with your coverage.
We are in-network with most major insurance plans in Maryland. Our intake team will verify your benefits before your first session so there are no surprises.
We Accept Insurance
We’re in-network with several providers, check your coverage easily.
Contact us or use the online form.
Whichever you prefer, our team will walk you through your benefits and answer any questions before your first session.
Contact Us
Reach out to our team at (240) 363-4181 for a personalized discussion about your insurance coverage and how it can be used at Sanare Counseling Group.
Call us now →Online Assistance
Prefer digital communication? Complete the form and we will contact you to discuss your insurance benefits and how they can be used at Sanare Counseling Group.
Start the form →Comprehensive coverage and support.
From the first call to your first session, we make insurance the easy part of getting care.
Hassle-Free Process
We handle the insurance phone calls so you do not have to. Plan name, member ID, and date of birth, that is all we need from you.
Wide Range of Accepted Insurances
In-network with CareFirst BCBS, United Healthcare, Aetna, Cigna, Maryland Medicaid (HealthChoice), Optum, and more.
Financial Solutions
Competitive self-pay rates, HSA/FSA accepted, sliding scale options for those who qualify, and superbills for out-of-network reimbursement.
Comprehensive Coverage & Support
Clear breakdown of copays and deductibles before your first session, so there are no surprises down the road.
We handle the boring part.
You should not have to call your insurance company to figure out if therapy is covered. We do it for you.
Tell us your plan
Share your insurance details on the contact form or your consult call.
We need plan name, member ID, and date of birth, that is it.
We verify benefits
Our intake team confirms your copay, deductible, and session coverage with your insurer.
Usually completed within one business day. You will get a clear breakdown.
You know your cost
Before your first session, you have a clear understanding of what you will pay.
No mystery bills, no surprises. If self-pay is a better fit, we will tell you.
Not in-network? You may still be covered.
Even if Sanare is not in-network with your plan, you may be eligible for partial reimbursement. We have partnered with Reimbursify, a user-friendly app that lets you submit out-of-network claims directly from your phone.
Questions to ask your insurance
- Do I have out-of-network coverage for mental health services?
- What is my out-of-network deductible, and has it been met?
- After my deductible is met, what percentage of the session fee is reimbursed?
- Is there a cap on reimbursement for service code 90837 (60-minute individual session)?
- Do I need pre-authorization before starting therapy?
Know your costs before you start.
You have the right to receive a Good Faith Estimate explaining how much your medical care will cost.
Under the law, health care providers need to give patients who do not have insurance or who are not using insurance an estimate of the bill for medical items and services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services.
Make sure your health care provider gives you a Good Faith Estimate in writing at least one business day before your medical service or item. You can also ask any provider you choose for a Good Faith Estimate before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit cms.gov/nosurprises or call 410-995-8274.
A few honest answers.
What if you are not in-network with my plan?
We are in-network with the major Maryland insurers (CareFirst BCBS, United Healthcare, Aetna, Cigna, and Maryland Medicaid). If your plan is not on our list, we offer competitive self-pay rates and can provide a superbill (an itemized receipt) you can submit to your insurer for out-of-network reimbursement. Many plans reimburse a portion of out-of-network therapy.
How much will I pay per session?
It depends on your plan and deductible. Typical copays range from $0 to $50 per session for in-network care. Our intake team gives you a clear breakdown before your first session.
Do I need a referral?
Most plans do not require one for outpatient mental health care, but a few HMO plans do. We will verify and let you know.
Can I use my HSA or FSA?
Yes. Therapy is a qualifying medical expense. Your HSA or FSA card can be used directly, or you can submit superbills for reimbursement.
What does self-pay cost?
Our self-pay rates are competitive for Maryland. Reach out and our intake team will walk you through pricing on the consult call.
Do you accept Maryland Medicaid?
Yes. We are in-network with Maryland Medicaid (HealthChoice). Coverage typically includes individual therapy, family therapy, and psychiatric medication management at little or no cost to you.
Let us check your coverage.
Tell us your plan and we will verify your benefits within one business day.