Payment & Insurance – made simple.

Your exact cost depends on your specific plan. Most insurance plans include some combination of copay, deductible, coinsurance, and out-of-pocket maximum. After you upload your insurance card in Spruce, we verify your benefits and message you with your expected costs before your first visit – so there are no surprises.

You still have options. If we're out-of-network with your plan, you may be able to use your out-of-network benefits and submit a superbill for reimbursement (coverage varies by plan). You can also use our $109/month subscription plan to get care without using insurance at all. HSA and FSA cards are accepted for both options.

Yes. We provide clear documentation you can submit to your insurance company for possible out-of-network reimbursement. Reimbursement amounts depend on your plan's specific benefits and aren't guaranteed, but many patients receive partial or full reimbursement.

Yes, in most cases. Many patients use HSA or FSA funds for visits and for the subscription plan. Eligibility depends on your specific HSA/FSA plan rules, but mental health care is generally a qualifying expense.

Even if we're out-of-network with your insurance for visits, your insurance plan may still cover your prescription medications. We send prescriptions electronically to your pharmacy, and your pharmacy processes them through your insurance as usual.

The Beyond Boundaries subscription includes comprehensive telehealth visits with a dual-certified provider, secure messaging between appointments, and no surprise bills. It's designed for women who want expert care without dealing with insurance. You can cancel anytime – no contracts. Learn more about the subscription →

That's OK – just book and upload your insurance card in Spruce. Our team will verify your benefits and message you with coverage details, estimated costs, and next steps before your first appointment. You'll know exactly what to expect before you walk in.