We’ll notify you of your balance as soon as your insurance processes the claim, which can take up to 12 weeks.
How Insurance Claims Works
- After your session, Tava submits a claim to your insurance provider.
- Your insurance processes (adjudicates) the claim and determines your patient responsibility amount (what you owe).
- Once finalized, Tava will charge your card on file and send a confirmation email.
What It Could Cost
- For details on how we estimate session costs, see this article: How we estimate session costs
- Some plans cover therapy sessions at no cost.
- Most plans require a co-pay and co-insurance (a percentage of the session cost).
- After meeting your deductible, your share of the cost usually decreases.
- After reaching your out-of-pocket maximum, insurance covers the full cost.
Understanding Insurance Terms
- Deductible: The amount you must pay first for covered care before your insurance starts sharing more of the cost. If you haven’t met it yet, you may owe the full allowed amount for a session; once it’s met, you typically move to just a copay or coinsurance.
- Co-insurance: A percentage of the allowed cost that you pay after your deductible is met, such as 20% of the session cost.
- Co-pay: A fixed dollar amount you pay for a covered session or visit, like $30 per therapy session. If your plan has a copay, that flat fee is what you pay per session unless you’ve already hit your out-of-pocket maximum.
- Out-of-pocket maximum: The most you have to pay in a plan year for covered services. Once you reach it, your insurance typically covers 100% of eligible covered session costs, so you owe $0 for those sessions after that point.
How to Check Your Coverage
For the most accurate information, call the number on the back of your insurance card. See this article for more details on setting up insurance on Tava: Setting Up and Verifying Your Insurance