Island Roots Therapy is an out-of-network provider and does not bill insurance directly. We require a credit, or debit card on file to schedule sessions. Your card will be charged automatically at the time of service, and you may request an invoice to submit to your insurance provider for possible reimbursement. Please check with your insurance provider to understand your coverage and determine whether our services are covered.

Out-of-network (OON) refers to healthcare providers or facilities that do not have a contractual agreement with a particular health insurance plan.

When you receive services from an out-of-network provider, your insurance may cover a portion of the costs, but typically at a lower reimbursement rate than in-network providers.

To use out-of-network benefits, you must pay for therapy out of pocket first, then seek reimbursement, which can take 1-2 months.

Because Heather Libman is an LMFTA or “Associate” Marriage and Family Therapist, you need to check with your insurance provider to see if services can be reimbursed. Sometimes, associate services do not qualify for OON reimbursement.

To check your plan, call your insurance company using the phone number on the back of your card.

You can pay with your health savings account (HSA) or flexible spending account (FSA).

Place this card on file as your preferred payment method.

These cards are not to be used for missed appointment/no-show fees.

The No Surprises Act requires health care providers to provide uninsured and self-pay patients with a Good Faith Estimate (GFE) of expected charges for items and services. The GFE is only an estimate, and actual charges may differ.

If you’d like a Good Faith Estimate once you’re an established client, email us, and we will gladly furnish one. If you want a general estimate, multiply the number of weeks per year you intend to pay for therapy times the hourly rate of sessions.