• Insurance company contact information can generally be found on the back of the insurance card.
• Some providers will require a credit card on file to cover possible no-show/cancellation fees. Students without credit cards may be able to provide a cash deposit for these fees.
• Students should check directly with their provider regarding costs of services and other payment requirements, and what types of payment (cash, credit card, check, Venmo, etc.) are accepted.
• Payment is usually due at the time of service.

Using Insurance

When using insurance, know the plan deductible, and any co-insurance or co-payment fees. These costs vary among insurance plans. If you're unaware of what these terms mean visit our Health Insurance Basics webpage for more info.)

Health Promotion Services (HPS) provides plan information for USF student insurance (Aetna). There is a $20 co-payment for office visits, with no deductible or co-insurance.

Paying for Services Without Using Insurance

Students may opt not to utilize insurance to pay for services. In those cases, the student is paying 'out of pocket' and is responsible for covering the full cost of services. In San Francisco, therapy sessions can cost $150 or more, and Psychiatry appointments cost significantly higher. For many students, meeting this level of cost is a challenge.

Low/no cost and sliding scale providers offer discounted fees for therapy, usually based on client income. The lower the income, the lower the fee. Providers offer a wide range of scales—some starting as low as $10 per session. Some providers who accept insurance may also offer some sliding scale spaces appointments in their practice. Other sliding scale providers do not accept any insurance coverage.