Insurance & Fees | OPAL Psychological
Thoughtful Care. Clear Options.
Understanding the financial side of therapy should feel straightforward. Explore our fees, insurance participation, and available payment options as you consider your next step.
Personalized psychological care in La Jolla and virtually across California, subject to clinician availability.
Three ways to explore care
Options That Meet Different Needs.
Every person's circumstances are different. We offer several payment pathways, and understanding the details can help you make an informed decision.
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Self-Pay
Clear published session rates and a straightforward private-pay process.
View Self-Pay Fees -
Using Insurance
Explore coverage through participating insurance networks and understand the importance of plan and clinician verification.
Explore Insurance -
Out-of-Network Options
Depending on your plan, you may have benefits that help reimburse eligible services.
Learn About Superbills
Self-pay rates
A Straightforward Approach to Self-Pay.
For those choosing to pay directly for services, OPAL offers clearly published rates and a transparent approach to discussing financial expectations.
Individual therapy
Individual Therapy
$250/ hour
Published self-pay rate for individual therapy.
Assessment
Psychological Evaluation
$300/ hour
Published hourly rate. Total evaluation fees may vary based on the scope and services involved.
Fees, session length, and service arrangements can vary by clinician and type of care. Our team can help clarify what applies to your appointment.
Explore Getting StartedInsurance participation
Using Your Insurance at OPAL.
OPAL Psychological participates with select insurance networks. Coverage depends on your individual plan, the clinician providing care, and the services involved.
- Aetna
- Cigna
- UnitedHealthcare
How insurance verification works
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Share Your Plan Details Securely
Appropriate information is gathered through OPAL's approved intake process.
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Review Available Benefits
Eligibility, participation, and estimated financial responsibility are reviewed.
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Understand Your Next Step
The team can discuss what is known about your benefits and the relevant appointment options.
Eligibility checks and benefit estimates are not guarantees of payment, coverage, or final out-of-pocket cost. Participation can vary by clinician. For your privacy, please do not send insurance ID numbers or health information through this website.
Out-of-network benefits
Exploring Out-of-Network Benefits.
Some insurance plans include out-of-network benefits that may reimburse a portion of eligible therapy expenses. If applicable, OPAL can provide a superbill with information you may need to submit a claim.
What out-of-network benefits mean
Some plans reimburse part of the cost when you see a provider who is not in the plan's network. You typically pay the provider directly, then submit a claim to your insurer.
What a superbill is
A superbill is a detailed receipt for services rendered that may be used when requesting reimbursement from your insurance plan.
Questions to ask your insurer
- Does my plan include out-of-network mental health benefits?
- Is there an out-of-network deductible?
- What amount may be reimbursed for eligible sessions?
- Does my plan require any special claim documentation?
- Are telehealth sessions eligible?
Why reimbursement can vary
Reimbursement depends on your plan, which services are covered, any deductible, the provider's network status, and your insurer's policies. A superbill does not guarantee reimbursement.
Coverage and reimbursement decisions are determined by your insurance plan. Any estimates are informational and are not guarantees of payment.
Contact OPALUnderstanding the cost of care
Clarity Matters Before Care Begins.
Whether you're considering self-pay or insurance-based services, understanding the financial details ahead of time can make the process feel more manageable.
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Published Self-Pay Fees
Current self-pay rates are listed above so you can see them before you reach out.
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Insurance Benefit Review
For clients using insurance, eligibility is reviewed so you can understand what is known about your plan.
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Payment Expectations
Payment is due at the time of service and is typically processed by credit card. Alternatives can be arranged if needed.
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Service-Specific Estimates
Fees can vary by clinician and type of care, so estimates are specific to the service being considered.
If you are uninsured or choose not to use insurance, you may be entitled to a Good Faith Estimate of expected charges. Please ask our team if you would like one.
A quoted estimate may differ from the final amount owed, depending on the services provided and how insurance claims are processed.
Delia Mejia
Patient Care Coordinator
Patient care support
Questions Along the Way? Our Team Can Help.
Insurance questions, billing details, and getting started can sometimes feel like a lot to navigate. Our Patient Care Team is available to help explain practice procedures and guide you toward the appropriate next step.
Final coverage decisions are made by your insurance plan. You can also learn more about OPAL or meet our providers.
Frequently asked questions
Questions About Insurance & Fees?
Does OPAL Psychological accept insurance?
Yes. OPAL is in-network with select insurance plans, and out-of-network documentation is available for clients who may seek reimbursement. Participation depends on your plan, the clinician providing care, and the service. See Using Your Insurance at OPAL for details.
Which insurance networks does OPAL participate with?
OPAL currently lists Aetna, Cigna, and UnitedHealthcare as in-network. Not every plan or product offered by an insurer may be included, so verification is important before your first appointment.
Does every clinician accept the same insurance plans?
Not necessarily. Participation and availability can vary by clinician. You can read about each psychologist on our providers page, and our team can confirm who may be a fit for your plan.
How can I learn whether my benefits apply?
OPAL offers complimentary eligibility checks for clients using insurance. The best first step is to request a free consultation. Our team will explain how benefits are reviewed through our approved intake process. Please do not send insurance ID numbers or other health information through this page.
What is the self-pay rate for individual therapy?
The currently published self-pay rate for individual therapy is $250. Fees, session length, and service arrangements can vary by clinician and type of care, and our team can clarify what applies to your appointment.
What does a psychological evaluation cost?
The currently published hourly rate for psychological evaluations is $300. Total evaluation fees can vary based on the scope and services involved, so the final estimate is specific to the evaluation being requested.
What if I have out-of-network benefits?
If OPAL is not in-network with your plan, you may still have out-of-network benefits that reimburse a portion of eligible services. Reimbursement depends on your plan. See Exploring Out-of-Network Benefits for questions worth asking your insurer.
What is a superbill?
A superbill is a detailed receipt for services rendered that may be used when requesting reimbursement from your insurance plan. OPAL can provide one when applicable. A superbill does not guarantee reimbursement.
Will my insurance cover the entire session cost?
Not always. Your plan may include a copay, coinsurance, or a deductible, and coverage varies by plan and service. A benefit review can help you understand what is known about your plan, though it is not a guarantee of payment or final out-of-pocket cost.
Can I pay privately even if I have insurance?
In some situations, yes, but it can depend on your plan, the clinician, and the type of service. Please ask our team about your specific circumstances so we can explain what applies before you decide.
When is payment due?
Payment is due at the time of service and is typically processed by credit card. Alternative payment methods can be arranged if needed. Please speak with our team about your preferences.
What if I have additional questions about my financial responsibility?
Our Patient Care Team is happy to help explain practice procedures. You can contact OPAL or call (619) 259-0107, Monday to Friday, 9:00 am to 6:00 pm. Your insurer makes the final coverage determination.
Are there cancellation or missed-appointment fees?
Appointment and cancellation policies are shared during scheduling and intake. Please ask our team about the current policy before your first appointment.
Is a complimentary consultation available?
Yes. OPAL offers a complimentary initial phone consultation with one of our available providers. It is a conversation about the support you are looking for, not an assessment or treatment. Request a free consultation.
How do Good Faith Estimates work?
A Good Faith Estimate is a written estimate of expected charges for a service. Federal rules generally entitle people who are uninsured or who choose not to use insurance to receive one, and you may ask for one at any time. An estimate is informational, and the final amount can differ depending on the services provided. Please ask our team if you would like one.
Mental Healthcare, Elevated
A Clearer Next Step Starts Here.
Choosing psychological care involves more than understanding a fee. We're here to help you learn about OPAL, explore appropriate options, and decide what comes next.
Fees shown are currently published rates and are subject to change. Insurance participation varies by plan and clinician. Eligibility checks, benefit estimates, and superbills do not guarantee coverage, reimbursement, or final out-of-pocket cost. Please see the OPAL Psychological homepage for more about our practice.