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Making Exceptional Care Work for Your Family Budget
As a clinician who personally navigates commercial insurance for my own family, I completely understand the hesitation around a cash-pay practice. If you had told me years ago that I wouldn’t contract directly with insurance networks, I wouldn't have believed you.
But in the traditional insurance model, providers are often forced to rush through complex pediatric evaluations in 30 minutes, squeeze dozens of kids into a single week, or wait months to see a child who is struggling. I built this practice to do things differently; to give your child uncompromised, deploy thorough attention and to give you a responsive provider you can actually reach.
Choosing private pay doesn’t mean ignoring your insurance. It means putting your child’s timeline and care quality first, while utilizing your health plan in a savvier way.
Above is a list of the CPT codes (the universal codes insurance companies use to process medical claims) used at STRIDE. Because we provide these transparently, you are equipped with everything you need to unlock your insurance benefits.
Out-Of-Network (OON) Reimbursement
Most commercial PPO plans have robust out-of-network mental and behavioral health benefits. Depending on your plan, insurance companies often reimburse families 50%-80% of our flat-rate fees once your deductible is met.
Meeting Your Deductible Faster
If you have a high-deductible plan and haven’t met your out-of-pocket maximum for the year, you don’t lose that money. Most commercial insurance companies allow you to submit our Superbills to be applied directly to your overall deductible balance. Every dollar you invest in your child’s care brings you closer to meeting your family’s annual deductible, so your insurance kicks in to cover other healthcare costs sooner.
Pre-Tax Savings (HSA/FSA)
Pediatric psychiatric evaluations and ongoing behavioral care are fully qualifying medical expenses. You can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) debit cards to pay for services directly, using tax-free dollars to immediately reduce your out-of-pocket costs.
Contacting your insurance can be overwhelming. Here are some questions to have ready when you call the “Member Services” number on the back of your insurance card:
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“Do I have out-of-network benefits for outpatient mental health?”
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“What is my out-of-network deductible, and how much has been met this year?”
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“If I haven’t met my out-of-network deductible yet, will the full amount listed on my Superbill be credited directly toward satisfying that deductible balance?”
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“Once the deductible is met, what is the ‘allowable amount’ or reimbursement percentage for these specific CPT codes?”
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“How do I submit a Superbill and how will I be notified once it’s processed?
Visualizing the Insurance Math
To see how your insurance benefits lower the actual cost of your child’s care, let’s look at two hypothetical scenarios for the STRIDE comprehensive intake that takes place across two specialized appointments within a 30-day window.
Scenario A: Your Deductible is Already Met (Direct Reimbursement)
If you have already met your annual deductible, your insurance company will send a check directly to you to cover a portion of the sessions on the Superbill.
You pay upfront: $700 (Initial Psych Eval) + $500 (Lifestyle Assessment) = $1,200
Your PPO plan covers: typically 70% of the allowable amount.
Insurance sends you a check for: $840
Your true out-of-pocket cost: $360
Scenario B: Your Deductible is NOT Met (Deductible Credit)
You pay upfront: $700 (Initial Psych Eval) + $500 (Lifestyle Assessment) = $1,200
You Submit Superbills: Either two separate Superbills or one for both appointments
The Big Benefit: Your insurance knocks a full $1,200 off your family's annual deductible. You instantly skyrocket closer to your out-of-pocket maximum, meaning your insurance plan will step in to pay 100% for your family’s other medical needs, dental expenses, or prescription drugs much earlier in the year.
Supporting the Whole Family
Flexible Payment Pathways
We understand that nurturing the wellness of one child often opens up a path of growth for the entire household. To better support families seeking comprehensive psychiatric care and specialized lifestyle diagnostics across multiple children, STRIDE offers a dedicated sibling discount program.
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The Sibling Scale: Enjoy 20% off follow-ups and our concierge monthly subscription for your first sibling, and an additional 10% off for each child thereafter (i.e. Child 3 is 30%, Child 4 is 40%).
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Back-to-Back Credits: Receive an automatic $15 credit per invoice when sibling follow-up visits are scheduled consecutively on the same day.
Our Sibling Care Continuity Program
Custom Installment Plans Tailored for Your Family
Investing in elite, private-pay diagnostic support and biological assessments shouldn't create immediate administrative or financial friction. While we collect professional fees at the time of service to maintain our unhurried, highly individualized care model, STRIDE provides secure, flexible payment pathways directly through our billing partner, Stripe.
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Custom Split-Intakes: Divide your comprehensive onboarding investment into predictable, structured monthly installments.
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Flexible Retries: Automated, compassionate retry scheduling through Stripe to protect your care continuity from unexpected card interruptions.
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HSA & FSA Approved: All payment schedules can be linked directly to your Health Savings or Flexible Spending Accounts.