Can I use insurance at New Growth? Although we do not accept insurance as payment, nor bill insurance companies, you CAN get reimbursement if your insurance plan allows you to go out-of-network. To get started, you should contact them and ask the following questions:
I want to see an out-of-network mental health care provider – will my plan reimburse me directly for this? (New Growth is out-of-network).
Does my plan cover out-of-network mental health benefits? Most plans cover individual therapy, but some exclude couples – If you are seeking help for couples, ask specifically if it will cover couples counseling. Clarify and ask “Will my plan reimburse for CPT codes: 90846 and 90847 when I go out of network? “
What are the terms of my plan—do I have a deductible?
Ask “How do I get you to reimburse me…I want to be sure you do not reimburse the provider since I am paying them in full – how do I complete the form to insure that you send the check to me?”
Next, you will need to fill out their claim form – this typically takes 2 minutes, and we can help you if needed. Make certain that you fill out your insurance claim so that you are the one getting reimbursed. Otherwise, the company will issue a check payable to us, and this will be sent back to them, delaying your reimbursement by weeks or months. Finally, you will receive a monthly statement from our bookkeeper (typically via email on the first Friday of the month). It will have all the relevant information your insurance carrier will want to process the claim, including a diagnosis. If your insurance restricts any diagnoses, notify us about this before seeking reimbursement.
Please let your therapist know if you have any questions or require assistance. We’re glad to help!
New Growth Counseling does not accept Medicare or MediCal. If you have supplemental ‘gap’ insurance for your Medicare, you still cannot get reimbursed. The laws have recently changed and many Medicare recipients can now see MFTs for services. However, New Growth is not a Medicare Provider. If you believe you can file such a claim, we would not be able to work with you
Our team is dedicated to providing you with the help you need with the results you desire. With a combined many decades of experience in counseling and therapy, our team aims to partner with you towards a better future.











Explain that you wish to see an out-of-network mental health therapist.
Ask “Will my plan reimburse me directly for payments I make to the out-of-network mental health therapist?”
Most plans cover individual therapy (CPT code 90834), but some may exclude couples or family counseling. If you are seeking either, ask specifically “will you reimburse for CPT codes 90846 and 90847?”
Ask “Do I have to meet a deductible before reimbursement begins?”
Ask “How do I get you to reimburse me personally? I want to be sure you do not send the check to the provider – how do I complete the forms to insure that you send the check to me?
Discuss what you’ve learned with your therapist.
You have the right to receive a “Good Faith Estimate” explaining how much your mental health care may cost. Since we do not accept insurance, New Growth is required to provide an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your New Growth therapist for a Good Faith Estimate before you schedule a service.
It is not possible for a psychotherapist to know, in advance, how many psychotherapy sessions may be necessary or appropriate for a given person, relationship issue, or diagnosis. Psychotherapy is talk-therapy and involves an ongoing conversation that involves the participation of one or more people for the sake of achieving a goal or goals. In relationship counseling (couples or parent-child), it is impossible for a therapist to know each person’s motivation to creating change—people in distress often feel uncertain about how they wish to proceed at times and their ambivalence affects the length of therapy. Since the therapist relies on people’s motivation and follow-through as necessary components to achieving treatment goals, the therapist cannot predict how long therapy will take. The same is true for individual counseling which often involves inner conflicts that pull a person in more than one direction at once. The therapist cannot make choices for an individual, and so relies on that individual’s free will to achieve an outcome—the therapist cannot predict how long that will take.
While the “No Surprises Act” requires a good faith estimate, the above discussion illustrates how difficult that is to provide. However, all of our therapists reveal their hourly fee before therapy begins. Your total cost of services will depend upon the number of psychotherapy sessions you attend, your individual circumstances, and the type and amount of services that are provided to you. This estimate is not a contract and does not obligate you to obtain any services from the provider(s), nor does it include any services rendered to you that are not identified here.
Good Faith Estimates are not intended to serve as a recommendation for treatment or a prediction that you may need to attend a specified number of psychotherapy visits. The number of visits that are appropriate in your case, and the estimated cost for those services, depends on your needs and what you agree to in consultation with your therapist. You are entitled to disagree with any recommendations made to you concerning your treatment and you may discontinue treatment at any time.
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, please visit www.cms.gov/nosurprises.
Speak with our Intake Specialist
Taking the first step into therapy can feel overwhelming. Our dedicated intake specialist will listen to your needs then connect you to the right therapist.
We’ll get to know you and what you’re looking for.
You’ll receive expert guidance on the best next step.
No commitment required—just a conversation to help you move forward.
3088 Pio Pico Dr. Suite 203, Carlsbad, CA 92008
(760) 494-4394 (fill out the nearby form to get the quickest response)
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