For Clients

Your therapist doesn't take insurance.
But your insurance might still pay.

Most people never use their out-of-network benefits because nobody explains them. We do — and we handle everything.

See what you'll save How it works

Your cost per session drops over time

With Deputy Care, you only pay your share — and it gets cheaper.

$200
1
2
3
4
Pre-deductible
Deductible met
$55
5
6
7
8
9
10
Post-deductible
Session #
Save up to 70% per session once your deductible is met
Why it matters

The average deductible is $1,500. Most clients hit it after 5–6 sessions.

Most quit after session 4.

One session too early. Deputy Care bridges that gap so you never have to choose between your mental health and your bank account.

$1,500 Average deductible

Sounds like a lot — but it gets met faster than you think when insurance is working for you.

Session 6 When it usually kicks in

After your deductible is met, your cost per session can drop to as low as $55.

60% Average savings

Clients using Deputy Care save an average of 60% on the fee they'd normally pay out of pocket.

How it works for you

From first session to full coverage.
We handle everything in between.

Check your benefits

We verify your insurance coverage before your first session. You'll know exactly what you owe — no surprises, no guesswork.

Pay only your portion

Once your deductible is met, you pay just your estimated share — like an in-network copay. We cover the rest upfront so your therapist gets paid in full.

We handle insurance

No forms. No calls. No waiting 6–8 weeks for a check. We submit the claim and chase reimbursement ourselves.

Keep seeing your therapist

The cost stops being the reason you cancel. Stay with the therapist you trust, at a price you can manage.

The therapist you want shouldn't be out of reach.

It costs you nothing to check your benefits. See how much you could save — in seconds.

Get started free
FAQ

Common questions from clients

Can I use my health insurance for therapy if my therapist is out-of-network?

Most commercial health insurance plans cover out-of-network therapy once the deductible is met — the average deductible is $1,500, which most clients reach after 5–6 sessions. Deputy Care verifies your specific plan before your first session and shows you exactly what you will pay, at no cost to you.

How much does out-of-network therapy actually cost per session?

Before the deductible is met, clients pay the therapist's standard rate. After the deductible is met — typically around session 5 or 6 — the cost drops to the OON coinsurance portion, which averages around $55 per session. Deputy Care covers the remainder so the therapist receives their full rate either way.

Do I have to submit my own insurance claim for out-of-network therapy?

Deputy Care submits every claim automatically on your behalf. You pay your portion at the session — no forms to fill out, no calls to make, no waiting weeks or months for a reimbursement check.

How do I get my out-of-network insurance benefits verified before therapy starts?

Your therapist invites you to the Deputy Care platform. You add your insurance details, and Deputy Care verifies your benefits within 24 hours — sending you a clear cost breakdown before your first appointment.

Is it safe to share my insurance information with Deputy Care?

Deputy Care is fully HIPAA compliant. All personal and insurance data is encrypted and handled according to federal healthcare privacy standards.