Insurance and fees, plainly explained.
I want you to know where you stand before you book. Insurance participation is expanding, plans can change, and I'll never imply coverage I can't confirm. Here's the current picture and what to do about it.
I'm in the process of becoming an in-network provider with the plans below. I'm not yet listing any of them as active, and I'll update this page as soon as each one is confirmed.
These are the plans I participate with, and the ones I'm still working to join.
- UnitedHealthcare / OptumCredentialing in progress
- AetnaCredentialing in progress
- Blue Shield of CaliforniaCredentialing in progress
- Anthem Blue CrossCredentialing in progress
- Medi-CalCredentialing in progress
- MedicareCredentialing in progress
Last updated October 2026. This list is not a guarantee of coverage. Plans and participation can change, so please verify your benefits before beginning care.
Not seeing your plan? Ask me. Credentialing is ongoing, and self-pay is available in the meantime.
- Find the member services number on the back of your insurance card.
- Ask whether I am an in-network provider for your plan, and give my name: Anabel Cramton, LCSW.
- Ask the questions in the list below, and write down the date, the name of the person you spoke with, and a reference number.
- Bring that information to your first call with me, and I'm glad to talk it through with you.
Your plan, not me, decides what is covered. I can't promise coverage for any particular plan or service.
- Is Anabel Cramton, LCSW, an in-network provider under my plan?
- Do I have outpatient mental health benefits, and do they include telehealth (video) sessions?
- What is my copay or coinsurance for a therapy session?
- Do I have a deductible, and how much of it have I met this year?
- Is there a limit on the number of sessions per year?
- Do I need a referral or prior authorization?
- Do I have out-of-network benefits, and what percentage is reimbursed?
- Does my plan cover couples or marriage counseling, and under what conditions?
Insurance often does not cover couples therapy, and I'd rather tell you that now than after you've booked.
Most plans pay for mental health treatment of a diagnosed condition in an individual. Relationship counseling on its own usually doesn't meet that definition. Some plans do include marriage or couples counseling benefits, so it's worth asking.
Some people use insurance for individual therapy that addresses relationship-related concerns, such as anxiety or low mood connected to a relationship. That's a different kind of work from couples sessions, and it depends on your situation and plan.
If insurance won't cover couples work, self-pay is available. About couples therapy.
Self-pay rates are the same for individual and couples sessions.
- Individual therapy$250 per session
- Couples therapy$250 per session
These are self-pay (out-of-pocket) rates. They are not a copay or deductible, and they do not mean your insurance will reimburse a session.
Self-pay makes sense if your plan doesn't cover therapy yet, if you'd rather not use insurance, or for couples work that isn't covered.
If you're paying out of pocket, you have the right to receive a Good Faith Estimate of expected charges before you begin. Just ask.
If your plan isn't accepted
You have options: self-pay, checking whether you have out-of-network benefits (ask me what documentation would help), or waiting until participation with your plan is confirmed. If it makes sense, I'll also help you think about other providers.
After you request an appointment, I'll call you, and the call runs about . We talk about what's bringing you in, you ask me anything (including insurance), and I explain how getting started works. You're not committing to anything yet.
Questions first? Call 707-232-5125 or email anabelcramton@living-abundant.com. Please don't send personal health details by email.
Questions about cost? Ask before you decide.
Tell me what's bringing you in, ask me anything about faith, insurance, or how I work, and we'll talk through how to get started together.
- Call707-232-5125
- Emailanabelcramton@living-abundant.com
- IdiomaTerapia en español: más información
Referring someone to therapy? Information for pastors, clinicians, and community partners.