Why We Are a Private-Pay Practice
Portland Talk Club is an out-of-network (OON), private-pay practice. We do not bill insurance companies directly. We made this intentional choice to protect your privacy and ensure you receive the highest quality of care.
Although we are not in-network with insurance providers, many clients successfully use their out-of-network benefits to receive partial reimbursement for therapy sessions.
Complete Confidentiality
Insurance companies always require a formal mental health diagnosis to approve treatment, which then becomes a permanent part of your medical record. Private pay ensures your therapy journey remains entirely confidential and protected.
No Arbitrary Limits
Insurance providers frequently dictate the exact number of sessions you can attend and the specific type of therapy you receive. Private pay guarantees your care timeline is determined solely by you and your therapist.
Personalized Care
We dedicate our complete time and energy focusing entirely on you and your personalized treatment plan, rather than spending valuable hours doing endless administrative paperwork or negotiating coverage with corporate insurance agents.
Portland Talk Club | Therapy Portland, Maine
Our Therapy Rates
We offer a range of services designed to meet your specific needs. Payment is due at the time of service, and we accept all major credit cards, HSA, and FSA cards.
Individual Adult Therapy (53 mins)
Couples Therapy (55 mins)
Child & Teen Therapy (10+) (55 mins)
Parent Support (55 mins)
Initial Intake / Assessment (55 mins)
Rates & Insurance| Portland, Maine
Check Your Out-of-Network Benefits
You could get up to 80% of your therapy costs reimbursed.
Find out exactly what your insurance covers before you even book a session. We’ve partnered with Mentaya to give you instant clarity on your out-of-network (OON) benefits.
Use the secure calculator to see:
- If you have out-of-network benefits
- How much of your deductible you've already met
- Your estimated out-of-pocket cost per session
How to Get Reimbursed
Option A: Let Mentaya handle it (Hands-Free)
- You pay our standard rate at the time of your session
- Mentaya automatically files the claim with your insurance company for a small 5% fee per claim
- You get the reimbursement check directly in the mail. No paperwork, no headaches
Option B: Submit the claims yourself (Do-It-Yourself)
- You pay for your session at the time of service
- We provide you with a detailed receipt called a "Superbill" at the end of the month
- You upload this Superbill to your insurance company’s portal, and they will process your reimbursement
How to Get Reimbursed
Once you know your benefits, you can submit your out-of-network claim using the simple process below:
Submit the claims yourself
- You pay for your session at the time of service
- We provide you with a detailed receipt called a "Superbill" at the end of the month
- You upload this Superbill to your insurance company’s portal, and they will process your reimbursement
We know navigating out-of-network benefits and superbills can sometimes feel a little confusing, and we’re always happy to help, troubleshoot, and figure it out together. Please don’t hesitate to reach out with questions about your benefits, your superbills, or how to submit them for reimbursement—we’re here to make the process as easy as possible.
Your Right to a "Good Faith Estimate"
Under the law, healthcare providers must give clients who are not using insurance an estimate of their expected medical and mental health care costs.
You have the right to receive a "Good Faith Estimate" explaining how much your therapy services will cost. We will provide this estimate to you upon scheduling your first appointment, so you have full financial clarity.
Ready to take the next step?
Book a free 20-minute consultation or full therapy session. Join us in Portland, Maine, or online from any PsyPact state.