Get an estimate for your plan
Want a more detailed estimate?
Call or text (512) 240-2633 and share your insurance information: the insurance company, member ID, and the policyholder's name and date of birth. Our team checks your specific benefits with your plan and gets back to you with a more detailed estimate within 1 to 3 business days. It is still an estimate, and you are still responsible for confirming your coverage with your insurer.
How billing works
- We check your benefitsBefore your first appointment, we ask your plan about your deductible, coinsurance and coverage.
- You verify tooCall the number on your card to confirm your benefits and any prior authorization.
- We bill your planWe submit claims for you. You pay your expected share along the way.
- Your plan decidesYour Explanation of Benefits shows your final share. We refund anything collected above it.
Questions to ask your insurance company
Call the member services number on the back of your card. Tell them you are seeing Little Dove Consulting PLLC, doing business as Little Dove Psychology, for virtual (telehealth) care in Texas, then ask:
For therapy
- Is Little Dove Psychology in network with my plan for outpatient mental health?
- What is my copay or coinsurance for an intake (90791) and a 60-minute therapy session (90837)?
- Does my deductible apply to therapy, and how much of it is left?
- How much of my out-of-pocket maximum is left?
- Are telehealth visits covered the same as in-person visits?
- Is my mental health benefit managed by a different company than the one on my card?
- Can you give me a cost estimate for an in-network 90837 session with my benefits?
For testing
- Is outpatient psychological testing covered, and is Little Dove Psychology in network for it?
- Do codes 96130, 96131, 96136 and 96137 need prior authorization?
- Does my deductible apply to testing, and what is my coinsurance or copay after it?
- Is psychological testing by telehealth covered?
- How much of my deductible and out-of-pocket maximum is left, and when does my plan year reset?
- Is any part of a dyslexia or reading evaluation (academic testing) excluded?
- Can you give me a cost estimate for codes 96130, 96131, 96136 and 96137 with my benefits?
Insurance terms, in plain language
Deductible
The amount you pay each plan year before your plan starts sharing the cost. Until it is met, you usually pay our full in-network rate for each service.
Coinsurance
The percentage of the in-network rate you pay after your deductible is met, such as 20%.
Copay
A flat amount you pay per visit, such as $30, set by your plan.
Out-of-pocket maximum
The most you pay in a plan year for covered, in-network care. Once you reach it, your plan pays 100% of covered services for the rest of the year.
In network and out of network
In network means we have a contract with your plan at an agreed rate. Out of network means we do not, so care is self-pay and we give you a superbill you can submit for possible reimbursement.
Prior authorization
Approval some plans require before testing. For evaluations, the evaluator submits it after your intake visit, and testing days are booked once it is approved.
Explanation of Benefits (EOB)
The statement your plan sends after processing a claim. It shows what your plan paid and your share. It is not a bill.
CPT code
The billing code for a service, such as 90837 for a 60-minute therapy session or 96130 for psychological evaluation services.
Behavioral health carve-out
When a separate company manages your mental health benefit. If your card lists a different phone number for mental or behavioral health, ask that company whether we are in network.
Common questions
Is the estimate on this page what I will pay?
No. It is a general estimate based on typical plan designs and our in-network rates, not a quote or a guarantee. Your actual cost depends on your specific plan, your deductible and out-of-pocket status, and how your plan processes each claim, and it can be higher or lower than what is shown.
Who is responsible for checking my coverage?
You are. Please call the member services number on your insurance card before your first appointment to confirm your benefits, your network status with Little Dove Psychology, and any prior authorization your plan requires. Our team also checks your benefits, but your plan's answer to you is the one that counts, and you are responsible for any amount your plan does not pay.
Is psychological testing covered differently than therapy?
Often, yes. Many plans apply the deductible to testing, require prior authorization, or use a different copay or coinsurance for testing than for therapy visits. Ask your insurer specifically about outpatient psychological testing codes 96130, 96131, 96136 and 96137, and whether testing by telehealth is covered.
Do you accept Medicaid or CHIP?
No. We are not in network with Medicaid or CHIP plans, including STAR and STAR Kids. Your plan's member services line can connect you with covered providers, and we are glad to suggest names.
What if my plan is not one you take?
Care is self-pay. Therapy is $125 to $175 per session depending on the clinician, and a comprehensive evaluation is $1,750 to $3,200 depending on what it needs to answer. We provide a superbill you can submit for possible out-of-network reimbursement, and HSA and FSA funds apply.
When will I get a bill?
For therapy, your card on file is charged your expected share after each session. For evaluations billed to insurance, a refundable $50 hold reserves your testing dates and about half of your expected share is collected at your first testing day; the rest is billed after your plan processes the claim, and anything collected above your final share is refunded.
Questions about your coverage?
Call or text (512) 240-2633. Full fees are on our Fees & Insurance page.
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