Beginning in August 2026, The Thought Loft will gradually reduce the number of insurance plans we accept as we transition to a primarily private-pay practice. We will continue to accept Aetna.

We believe that what happens in therapy, and the personal information shared through psychological testing, should remain between you and your clinician to the greatest extent possible. Insurance companies often require a mental health diagnosis and may request information about your symptoms, treatment, progress, or evaluation. Our private-pay model allows us to provide more personalized, flexible, and discreet care, with fewer decisions shaped by insurance requirements.

We are happy to provide superbills that you may submit to your insurance company for possible out-of-network reimbursement. We also accept HSA and FSA cards. Because reimbursement varies by plan, we encourage clients to confirm their out-of-network benefits directly with their insurance provider.

We recognize that private-pay care is not financially accessible to everyone, which is why we accepted health insurance for the past 12 years. Unfortunately, we can no longer continue accepting health insurance. However, we will provide a limited number of reduced-fee and sliding-scale appointments that are available based on clinician availability.

Our goal is to make this transition thoughtfully while continuing to provide high-quality, individualized care grounded in privacy, trust, and collaboration.