Payment and Reimbursement Guide

Medically Reviewed

Payment and Reimbursement Guide

Being Health is not currently in network with any commercial insurance providers, Medicaid or Medicare, but we are currently working on it. In the meantime, if you have out-of-network benefits, we can provide a superbill for all appointments to help you seek reimbursement from your insurer. 

At Being Health, we are committed to fair and transparent pricing. A list of our prices for in-person and virtual services at our Lower Manhattan clinic for all appointment types can be found here

We also understand that it can be challenging to navigate out of network benefits and reimbursement so we have created this guide to help you understand your out-of-network benefits, and if your insurance provides them,  how to use them for services you receive from Being Health. Additionally, information about our financing options are detailed below. 

How Will I Pay for Services? 

Payment is due at the time of service. If you have out-of-network benefits we will create a superbill for you to submit to your insurance company to seek reimbursement. 

We accept the following methods of payment:

  • Personal Credit and Debit Cards some text
    • We accept all major credit and debit cards including American Express, MasterCard, Visa, and Discover.
  • Health Savings Account (HSA)some text
    • An HSA is a savings account that allows you to set aside pre-tax dollars to pay for qualified medical expenses, including out-of-network mental health services.
  • Flexible Spending Account (FSA)some text
    • An FSA is an account that allows you to set aside pre-tax dollars to pay for qualified medical expenses, including out-of-network mental health services. Any dollars contributed to an FSA must be used within the plan year. 
  • Cashsome text
    • If receiving in-person services, you are welcome to pay for your session in cash.
  • Financing some text
    • Being Health has partnered with Advance Care Card to offer financing for those who qualify.
    • Advance Care has been a leading provider of patient financing solutions since 2008. They work to offer patients the most affordable options to finance their procedures or treatment plans. 
    • For those who qualify, Advance Care Card offers affordable monthly payments with flexible terms, such as interest-free financing for up to 14 months and no punitive late fees. 

What are Out-Of-Network Benefits and How Do I Use Them?

What does it mean if my provider is out-of-network? 

Out-of-network providers are healthcare professionals, clinics, or facilities that do not have a contract with your insurance company, which means that your insurance company does not directly pay for services provided by providers who are out-of-network.

How do I know if I have out-of-network benefits?

The first place to check is your insurance ID card. Many insurance plans will have benefit information on the card itself. It’s good to know that the term out-of-network is often abbreviated to OON on ID cards. The next step is to review your policy documents online, information sent to you via email, or by calling the member services number on the back of your insurance card. 

How do I find out what my out-of-network benefits are?

The best way to find out about your out-of-network benefits is by calling the Member Services phone number on the back of your insurance card and asking the following questions:

  • Do I have outpatient out-of-network mental health and/or medical coverage?
  • I am seeking out-of-network coverage information for this service (psychiatry, individual psychotherapy, group psychotherapy, functional medicine, etc). Can you please tell me reimbursement amounts based on specific CPT codes (listed below)? 
  • What is my out-of-network deductible and how much have I met so far this year?
  • What is the process for submitting a superbill to you for reimbursement?

How do I use my out-of-network benefits?

Being Health will use your preferred method of payment to automatically charge you once you have completed your session. We will then email you an itemized bill, known as a superbill, which shows CPT and diagnosis codes, our fees, and the amount you paid for the service. You will submit the superbill to your insurance so that they can process the claim. 

Will my insurance reimburse me for the full amount?

The reimbursement amount will be specific to your plan, your out-of-pocket costs, and the fee your insurance has set for the services we provide, which may be more or less than the fee we have set for our services. 

What Are “Out of Pocket” Costs? 

  • Deductible: A deductible is the amount you must pay out of your own pocket before your insurance begins to cover your healthcare expenses.
  • Coinsurance: The percentage of costs you pay after the deductible is met.
  • Out-of-Pocket Maximum: Many plans will have a maximum annual total, which is a combination of the deductible and coinsurance, that you will not be asked to exceed. Once you hit the maximum, if you have one, your insurance will cover 100% of your healthcare costs. 

I have out-of-network benefits but I still can’t afford the services. What should I do?

Please give us a call at 888-668-7600 or email us at so that we can discuss your out-of-network benefits and potentially identify other ways to help you reduce your out of pocket expenses. 

Common Billing Codes at Being Health

The following list includes the most common CPT codes used by Being Health. You can share these with your insurance provider when you call member services. 


Appointment Type

CPT Code(s)

Initial Consultation (60 min)


Psychiatry Session (30 min)

99213 + 90833

Psychiatry Session (45 min)

99214 + 90836


Appointment Type

CPT Code(s)

Initial Consultation (60 min)


Psychotherapy Session (45 min)


Ketamine Infusion Therapy

Appointment Type

CPT Code(s)

Initial Consultation (75 min)


Individual KAP prep and integration session (60 min)


Ketamine Infusion Session (90-120 min)


KAP Integration Group sessions (75 min)


*There are no specific reimbursement codes that are reliably able to be used with ketamine infusion sessions. However, during some sessions - depending on the time spent with the psychiatrist - certain reimbursement codes may be used. These are typically 99214 and 90838 (both used together for each session). Please discuss with the Being Health team whether reimbursement codes can be used for your session(s).

Functional Medicine

Appointment Type

CPT Code(s)

Functional Medicine Evaluation + Labs (60 min)


Functional Nutrition Evaluation (45 min)


Follow-up Functional Medicine Visit + Labs (60 min)



Appointment Type

CPT Code(s)

Initial Nutrition Consultation (60 min)


Follow-up Nutrition Visit (45 min)



Appointment Type

CPT Code(s)

Initial Acupuncture Session (60 min)

99203 + 97811

Follow-up Acupuncture Session (55 mins)

97810 + 97811

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