Client financial responsibility is the portion of a healthcare cost the client is expected to pay under the terms of their insurance plan and provider arrangement. It may include a deductible, copay, coinsurance, non-covered services, or amounts above what the insurer recognizes as eligible.
For out-of-network therapy, the client may initially pay the therapist’s full fee and later receive partial reimbursement if the plan allows it. The final amount owed and any reimbursement depend on the plan and claim decision. Clear communication about the fee, expected payment timing, and uncertainty around reimbursement can help clients make informed decisions and avoid assuming that insurance will cover the entire session.