The call that never books
A prospective client wants two things before they commit: are you in their network, and what will a session cost. When the answer is "call us", many never do.
For in-network therapy practices
Tell people what they'll pay before they're brave enough to call.
The coverage answer your front desk gives on its best day, on your website every day.
The checker on this page is live. It runs on built-in sample data for a fictional practice, Riverbend Counseling, so nothing you type here reaches a health plan.
The problem
The first question is always the same.
"Do you take my insurance?" arrives before anyone has booked, and the honest answer takes a payer portal, a hold queue and ten minutes nobody has.
No-shows from coverage confusion
A first session booked without a clear cost often does not happen. The client is not unreliable; they are unsure, and uncertainty is what they cancel.
Hand checks for people who have not booked
Someone on your team verifies benefits one portal and one hold queue at a time, for inquiries that may never turn into clients.
How it works
Three steps, and the third one is just watching.
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Add one line of code
Paste one script tag into Squarespace, Wix, WordPress or any site, add your NPI and the payers you are credentialed with, and the checker is live.
<script src="https://api.coveredfortherapy.com/widget/v1/widget.js" data-key="tc_live_xxxxxxxx" async></script> -
Clients check themselves
They enter the details from their insurance card and read a plain-English answer: in network or not, the likely copay, and the next step to take.
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You see every check in your portal
Each check lands in your portal with the client's contact details and their answer, so the next inquiry already knows what they will pay.
The answer
Four honest answers, written for the person reading them.
Every result names the clinician, the plan and the time of the plan's response, and says what could not be confirmed as a sentence of its own.
$30 copay per session
Good news: Dana Alvarez, LPC is in-network with your Aetna Choice POS II plan, and based on Aetna's response at 9:41 AM today you'll likely pay a $30 copay per therapy session, with no deductible to meet first.
This is an estimate based on your plan's response, not a guarantee of coverage or payment. Your plan makes the final decision, and the practice confirms exact costs before your first session.
Checked by Covered for Therapy
Out of network with this plan
Dana Alvarez, LPC is not in-network with your Aetna Choice POS II plan, based on Aetna's response at 9:41 AM today. Your plan may still pay part of the cost out of network; ask Aetna for your out-of-network benefit for CPT 90837, or pick an in-network clinician at this practice.
This is an estimate based on your plan's response, not a guarantee of coverage or payment. Your plan makes the final decision, and the practice confirms exact costs before your first session.
Checked by Covered for Therapy
$750 of $2,000 deductible left
Dana Alvarez, LPC is in-network with your Aetna Choice POS II plan, but based on Aetna's response at 9:41 AM today you still have $750 of your $2,000 deductible (what you pay before your plan starts paying) to meet, so early sessions may cost the full contracted rate. Call Aetna to confirm the rate for CPT 90837 with this provider; it usually takes about five minutes.
This is an estimate based on your plan's response, not a guarantee of coverage or payment. Your plan makes the final decision, and the practice confirms exact costs before your first session.
Checked by Covered for Therapy
Plan active, copay not reported
We could confirm your plan is active, but Aetna did not tell us your mental health copay at 9:41 AM today. Call the number on the back of your card, ask for "outpatient behavioral health cost share" and the copay for CPT 90837 with this provider; it usually takes about five minutes.
This is an estimate based on your plan's response, not a guarantee of coverage or payment. Your plan makes the final decision, and the practice confirms exact costs before your first session.
Checked by Covered for Therapy
Sample results with fictional details. Dana Alvarez, LPC is not a real clinician, and the figures are for illustration only.
Who it is for
Built for one clinician, and for the group that routes to the right one.
Solo practice
One clinician, one NPI, your website and your directory profile.
- The widget on your site, plus a hosted link for your Psychology Today profile and email signature.
- Your payer list. The checker only ever says you are in network with a plan you have told us about.
- Every check in your portal with the client's contact details, and an alert when one needs you.
- One flat price with 50 checks a month included.
Group practice
Right clinician, right plan, right state.
- A payer matrix per clinician, by NPI and state, so each client is matched to someone actually in their network.
- Multi-location widgets and team logins.
- Lead push to your CRM or intake tool by webhook.
- Up to five clinicians, then a flat price per extra seat.
Trust
Insurance details deserve a careful home.
HIPAA business associate
From the first check we act as your business associate. Eligibility is a payment function, so no client authorisation is needed, and we collect only what the inquiry requires.
BAA at signup
You accept our business associate agreement before an API key exists. It covers breach notice, subcontractors and what happens to your data when you leave.
No trackers in the widget
No pixels, analytics scripts or session replay in the widget, the hosted checker or any page where a client types insurance details. Nothing is written to cookies, local storage or the address bar.
You own your data
Your checks, your leads, your payer list. Export them any time, delete them from the portal, and we erase everything 30 days after you cancel.
Pricing
One flat price. No fee per session.
Priced by clinician, not by client. 14-day free trial on Solo and Group.
Solo
One clinician
$29a month
- 1 NPI
- Widget and hosted link
- 50 checks a month
Group
Up to 5 clinicians
$99a month
- $12 a month per extra clinician
- Payer matrix by clinician and state
- 400 checks a month
Enterprise
Unlimited clinicians
$499a month
- White label and REST API
- SSO and countersigned BAA
- 1,000 checks a month
Questions and answers
The things worth knowing before you paste the snippet.
Is this a guarantee of coverage?
No. Every answer is an estimate built from the health plan's electronic eligibility response and your own payer list. The plan makes the final decision when it processes the claim, and plans sometimes return incomplete or outdated information.
That is why every result says what was checked, when, and what could not be confirmed, and carries the same disclaimer in the same type size as the answer. Think of it as the best version of what your front desk would say on the phone, not a promise of payment.
What does the client enter, and what do you keep?
The client enters their carrier, member ID, date of birth, state and the type of care, and ticks a consent box with the exact sentence they are agreeing to.
The member ID and date of birth are used for the eligibility inquiry and then dropped. We keep the last four characters of the member ID and the birth year, never the full values, and nothing is written to the browser, a cookie or the address bar. The result summary, the client's contact details and the consent record are kept for you in the portal.
Do you sign a business associate agreement?
Yes, on every plan. You accept our business associate agreement during signup, before an API key is issued. Enterprise plans include a countersigned agreement and custom terms.
Which insurance plans can it check?
The inquiry goes through a healthcare clearinghouse to the client's plan as a standard electronic eligibility request. Most commercial carriers, Medicare and many Medicaid plans answer electronically. When a plan does not answer, or leaves the mental health copay blank, the checker says so instead of guessing.
Network status never comes from the plan. It comes from the payer list you maintain in your portal, so the checker only ever says you are in network with a plan you have told us about.
Does it work with my website and my EHR?
The widget is one script tag, so it works on Squarespace, Wix, WordPress and any site that lets you add a block of code. If you cannot edit your site, share the hosted link instead.
It sits alongside your EHR rather than replacing it. The checker answers the question before intake; your EHR keeps running the checks it runs after.
Can I cancel, and what happens to my data?
You can cancel any month from the portal. The widget stops answering immediately, your data stays available to export for 30 days, and after that we delete it. Records the law requires us to keep, such as the agreement itself, are kept for the period it requires and nothing more.
Give the next person who lands on your site a straight answer.
Setup is your NPI, your payers and one line of code.