Therapy Reimbursement Calculator
Estimate how much your insurance will reimburse for out-of-network therapy sessions and calculate your true annual cost.
Your Plan Details
Enter your insurance plan information below.
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Per-Session Breakdown
After your deductible is met
- You pay upfront
- $200
- Insurance reimburses
- $90
- Your net cost per session
- $110
Deductible Status
Remaining deductible$500
Sessions until deductible met3
$0 of $500 met (0%)
Annual Breakdown
- Total sessions
- 48
- Total paid upfront
- $9,600
- Total reimbursed by insurance
- $4,050
- Your annual net cost
- $5,550
- Annual savings vs. self-pay
- $4,050
Cost Breakdown
58%
42%
Your costInsurance pays
Disclaimer: This calculator provides estimates only. Actual reimbursement depends on your specific insurance plan, including any session limits, out-of-pocket maximums, and plan exclusions. Contact your insurer to verify your benefits.
Learn more about paying for therapy: