Payment & reimbursement
We accept: Credit/debit cards; HSA/FSA cards where your plan allows — eligibility rules vary, ask us.
Monthly payment plans: All programs available with monthly billing — no large upfront payment required.
Insurance reimbursement (optional): Zaha does not bill your insurance. Nothing is shared with your insurance company unless you choose to submit a superbill for reimbursement. Some plans reimburse part of the cost of the clinical sessions out-of-network — the amount depends on your plan and deductible — and any reimbursement comes directly to you. Superbills include an ICD-10 diagnosis code (required for reimbursement) and the sessions you attended. Submitting a claim puts a mental health diagnosis on your insurance record. If you share a plan with a spouse or a parent, they may be able to see it. If that matters to you, pay privately and submit nothing. Your care is exactly the same either way.
If cost is the obstacle: we hold back a portion of every cohort for sliding-scale rates. Write to us and the conversation stays private.
Why we don't bill insurance. Because Zaha is out-of-network by default, we don't share anything with your insurance. You keep full control: pay privately and no diagnosis code touches your insurance record, or opt in to a superbill and submit for partial reimbursement. Your call, either way.