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I am considered an out-of-network provider for all insurance plans. This means sessions are paid out-of-pocket, and you may be eligible for partial reimbursement from your insurance company, depending on your plan.

If you’d like to check your benefits, I can assist with verifying out-of-network coverage, or you're welcome to contact your insurance provider directly and ask the following:

✅ Do I have mental health benefits?

✅ Can I see an out-of-network provider?

✅ What is my deductible, and has it been met?

✅ How many sessions are covered per year?

✅ What percentage is reimbursed for out-of-network therapy?

✅ Is pre-authorization required?

🌿 Why Private Pay?

Therapy is a meaningful investment in your healing. Working outside of insurance allows for:

✨ Greater privacy (no required mental health diagnosis on file)

✨ More flexibility in how we structure your treatment

✨ Freedom from restrictions imposed by insurance companies

✨ A deeper, more personalized experience

📄 Superbills for Reimbursement

If your plan offers out-of-network benefits, I can provide a superbill (a detailed receipt) upon request. You may then submit it to your insurance for potential reimbursement, based on your plan.

🔁 Optional Help via Thrizer

For added convenience, I also offer the option to use Thrizer, a secure third-party service that can:

Verify your out-of-network benefits

Submit your superbills automatically

Track your reimbursements

Please note: Thrizer charges a small fee directly to you for this service. If you're interested, I can send you an invitation link to set up your account.

⚠️ If you are experiencing a mental health emergency, do not use this site.  
Call 911, go to your nearest ER, or call/text the 988 Suicide & Crisis Lifeline for 24/7 support.

© 2025 Mended Heart Therapy | Jennifer Starlight, LMFT
Based in Laguna Beach, CA | Serving all of California via Telehealth
HIPAA-Compliant & Secure

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