How fees work
The answers to what nearly everyone asks before a first session.
Insurance we work with
Cradle is out of network with insurance plans, so you pay for each session yourself. We do not bill Medicaid or Medicare. If you want a clinician who bills your plan, we will gladly give you the names of colleagues.
Out of network with insurance plans
No Medicaid or Medicare
If you pay yourself
You pay by card at the end of each session, HSA and FSA cards included. There is no contract and nothing is paid in advance. The fee depends on the kind of session and how long it runs: 50 minutes for individual, partner and family sessions, and 90 minutes for the parent circle. We give it to you in writing before you start. A limited number of reduced-fee spots are open; ask how to request one. We ask for 24 hours' notice to change an appointment.
Receipts for reimbursement
Each month we give you an itemized receipt (a superbill) with the dates and kind of session, to send to your plan, which may reimburse part of out-of-network care. It carries a diagnosis code your insurer can see. Your plan decides whether it pays anything; ask it before you start.
An estimate in advance
If you pay without insurance, you have the right to receive a Good Faith Estimate of what your care will cost before you start. If a bill is $400 or more above the estimate, you can dispute it. The estimate is not a contract: you can change your mind at any time. Ask us for one when you write to us.
Checking your benefits
Before your first session we send you a short list of what to ask your plan: whether it covers out-of-network outpatient mental health care, what your deductible is, and how it wants the receipt. The call to your plan is yours to make; we cannot check your benefits for you.
Would you like a written estimate?
Ask for it before the first session. We send it by email, with no obligation.