Insurance

We believe that health care should be affordable to all, and making it more accessible to patients and families is core to our mission. By working in the Collaborative Care model with your primary care physician, our services are covered by most commercial insurance plans as a primary care benefit.

Daylight services are covered as a primary care benefit under Aetna, Anthem, Blue Cross Blue Shield, Cigna, Emblem, Humana, Magellan, Medicare, UnitedHealthcare, Optum, and more insurance plans.

Frequently asked questions

I have insurance. How much will my session cost?

The cost of a session depends on a few things: your individual insurance plan, the therapist’s training, location, and session length. We use your insurance information to calculate your out-of-pocket price per session. You won’t be billed until after your session.

Do I need insurance to use Daylight?

No! We will support your mental wellness regardless of your insurance access. Please see above for out-of-pocket rates for our therapy sessions.

What forms of payments do you accept?

If you are paying out-of-pocket, we collect credit/debit card details before sessions begin. Then, your card is charged after each session. If you are paying with insurance, we will look up your benefits to check if your plan covers mental health care, and collect your co-pay amount via credit/debit card after each session.

What do in-network and out-of-network mean?

Daylight is in-network with insurance companies that we have a contract with to accept negotiated rates. If we do not have a contract with your insurance company, we will be out-of-network. We are adding more insurers, so please check back later to see if we’ve added yours! If you have any questions about insurance, please book an intake call with a Care Coordinator on our team by clicking "Secure a spot" and filling out the initial onboarding questions.

What is my copay?

A copay or copayment is a fixed amount ($) that you will pay Daylight for each session, depending on your health insurance plan. Copays can vary depending on your coverage, but are typically $0-$50.

What is my deductible?

A deductible is a specified annual amount you must pay out of pocket, before your insurance company will pay a claim. This means that you will pay for the full negotiated rate until you meet your deductible; then you will only have a coinsurance. Some insurance plans do not apply the deductible to therapy, so you will only be responsible for a copay. The deductible resets every calendar year.

What is my coinsurance?

A coinsurance is the portion (%) of the negotiated rate that you will pay Daylight for each session, after the deductible has been met, if applicable.

What is an out of pocket maximum (OOP)?

An OOP is the maximum out of pocket amount that you may pay each year for healthcare. The amount includes cost sharing, deductibles and any out of network expenses that a patient may pay towards care. Once the limit is reached, the plan pays for 100% of services.

What if my insurance changes?

If you have changed your insurance, please notify your Care Coordinator so that we can review your current insurance carrier and the impact that it may have on your coverage for services. Doing so may help avoid additional financial obligations.

Can I use my HSA/FSA to cover the patient responsibility portion?

Yes! You may enter that card as the payment method on file, or you may submit a receipt for reimbursement.

We help kids and families thrive

Daylight provides therapy for children and adolescents in New York and Texas, online and in-person—covered by your insurance.

Secure a spot

Insurance

Daylight services are covered as a primary care benefit under Aetna, Anthem, Blue Cross Blue Shield, Cigna, Emblem, Humana, Magellan, Medicare, UnitedHealthcare, Optum, and more insurance plans.

Pricing: What to expect

Have specific questions about insurance? We’re here to help.

Frequently asked questions

We help kids and families thrive