When you add your insurance to Tava, we provide an estimate of what you’ll likely owe for each therapy session — so you can book with confidence and avoid surprises.
| Important: This estimate is not a bill or a guarantee of your final cost. Your actual cost is determined by your insurance company after they process your claim. That said, most estimates are close to the final amount, and we aim to make them as accurate as possible. |
Where the Numbers Come From
When you enter your insurance information, Tava verifies your benefits directly with your insurance company. This gives us the key details we use to estimate your cost, including:
- Whether your plan has a copay or coinsurance
- How much of your deductible you’ve already met
- Your remaining out-of-pocket maximum
We also factor in the contracted rate between your insurance company and your Tava provider. This is the discounted rate your insurer has negotiated for therapy sessions — and it’s usually lower than the standard price.
How We Calculate Your Share
Your estimate depends on how your insurance plan is structured:
- If you’ve met your out-of-pocket maximum: You owe $0. Your insurance covers the full session cost.
- If your plan has a copay: You pay a flat fee per session (for example, $30), as long as you haven’t reached your out-of-pocket maximum.
- If your plan has a deductible and coinsurance: You’ll pay the full contracted rate until your deductible is met. After that, you’ll pay your coinsurance percentage (for example, 20%) of the cost.
Your total costs for the year will not exceed your out-of-pocket maximum.
When You’re Charged
You will be charged once your insurance processes the claim, and your final responsibility is determined.
Why Your Actual Cost May Differ From The Estimate
Our estimates are based on the best information available at the time they are generated, but a few things can affect your final cost:
- Timing of claims: Your estimate reflects your benefits at a specific moment. If you have other medical claims processed after your estimate is created (but before your session is billed), your deductible or out-of-pocket balance may change.
- Mid-year plan changes: If your insurance plan changes, your benefits will update — but your estimate may not reflect the new plan until we re-verify.
- How your insurer processes the claim: In some cases, insurance companies apply different rules when they process a claim than what they report during a benefits check.
- Coordination of benefits: If you have more than one insurance plan, how they share costs can affect your final amount.
Want to Double-Check Your Benefits?
If you want to understand your estimate better or if you’re ever surprised by a charge, we recommend contacting your insurance company's member services line — they can give you the most accurate, up-to-date picture of your benefits.