Fees and Insurance



Sliding Scale Fees

A fee range that is accessible and affordable.

Depending on your income and insurance benefits, you may qualify for a reduced session rate.  For more information, schedule a free 15 -minute consultation through Queer Talk’s client portal.

60-Minute Session: $125-$175       30-Minute Session $80-95


Accepting Insurance for Therapy

Billing your insurance.

We are billing most major insurance carriers in most states, but you need to verify that your insurance is accepted and what your responsibility will be.  Queer Talk is now accepting PPO plans from BCBS*, United, Aetna, Cigna** for individual therapy sessions. Billing for insurance is managed by third-party services called, Headway and Alma. 

Prior to your first appointment, you will receive an email notice to set up your Queer Talk client portal as well as your billing portal.  Using a third-party billing service streamlines claims and reimbursement for therapists and clients. 

*BCBS PPO in Illinois only.  **Cigna PPO in KY, TN, PA, VA only.

Offsetting the cost of therapy for clients.


What is an "Out-of-Network" Provider?

An “out-of-network” provider has not entered into a contract with an insurance carrier to accept reimbursement for sessions, but they are vetted by and registered with insurance carriers so that clients may be reimbursed directly for services. 

Unlike “in-network” providers, they have not agreed to accept an insurance carrier’s payment (along with the client’s copay/coinsurance portion) for sessions.

Know Your "Out of Network" Benefits.


You may have money
waiting for you.

What is a Superbill?

A superbill is an itemized statement of your therapy sessions, and includes diagnostic codes, session billing codes, National Provider Identifier (NPI),  tax codes, and office information. 

The superbill shows what you were charged for the sessions and what you paid for the sessions. The document can be emailed to your insurance carrier for direct reimbursement.

How Much Will I Get Back?

Reimbursement rates vary greatly depending on the “out-of-network” benefits each carrier allows. But, many clients who use these benefits are happy with what they get back.

Get Ready to Call Your Insurance.

Be sure to have the following information on hand when you call the benefits number on the back of your insurance card.

  • The therapist’s name and NPI (Troy Johnson, LCSW 1043623721)
  • Your relationship to insured (spouse, partner, family)
  • Member ID number and group number (on your insurance card)
  • A diagnostic code that supports your need for therapy. 
    • F64.1 Gender dysphoria
    • F43.12 PTSD
    • F43.23 Adjustment disorder with anxiety and depression
    • F41.1 Generalized anxiety disorder
    • F33.1 Major Depressive Disorder

How Do I Verify My Benefits?

  1. Consult with Queer Talk for likely diagnostic codes and to see if they are “out-of-network” with your insurance (if you are unsure).
  2. Call the mental health benefits number on your insurance card and ask, “Do I have “out-of-network” mental health benefits?”
  3. Does my plan cover “out-of-network” therapy for codes 90791, 90837, and 90832?
    1. If yes, how many sessions are covered per year?
    2. If yes, do I have a deductible to meet? How much is the deductible?
  4. Does my “out-of-network” plan cover sessions for (appropriate diagnostic code).
  5. Do I need a pre-authorization, referral, or other documentation prior to my first session?
  6.  Get the following information to document your call:
    1. Representatives name and ID number (if they have one).
    2. Reference number for the call.
    3. The date and time of your call.
  7. Document all of the above information for your records and peace of mind. 

What Do I Tell My Therapist?

If you will be utilizing your “out-of-network” benefits, you only need to ask your therapist for the superbill, and make sure they are “out-of-network” with your carrier.  At Queertalk, superbills are automatically generated and emailed to clients at the end of each month.

What if Queertalk is not registered with my carrier?

This happens.  Sometimes it happens more than we want it to.  Queer Talk is licensed in five states, and growing.

The truth is, there are hundreds of insurance carriers in these five states alone.  Queer Talk is working diligently to get registered with as many common carriers as possible, but may ask for your patience.

If your insurance carrier is local, regional, small, or military related it may take longer for us to get registered.

Let's begin.

Schedule a free 15-minute consultation or session today!