Paying for therapy doesn’t have to be complicated

Our Care Coordination team makes it easy to get the most out of your insurance and benefits.



We’re currently in-network with the following insurance plans:

Co-pays and deductibles for our services are based on your individual coverage. For detailed benefits information, please call the Member Services number on the back of your insurance card or one of the links above.

We take Medi-Cal and Medicare through Kaiser NorCal. If you have any other Medicare or Medicaid plans please reach out to verify coverage.

If you have additional questions, contact our Care Coordination team at


Our out-of-network pricing is available below:

  • Matching appointment: $260
    One-time 45-minute video call with a licensed matching expert
  • Individual therapy: $226 per session
    50-minute weekly or bi-weekly sessions

You may be eligible to have 60-80% of your costs covered by out-of-network benefits.

Contact our Care Coordination team at for your free benefits estimate.

We're in-network with

Aetna health insurance logo

Are you a Kaiser Permanente member?

Two Chairs is proud to provide in-network therapy services for Kaiser Permanente Northern California and Washington members. If you are a Kaiser Northern California member, please speak with your primary care provider about getting a referral for therapy at Two Chairs. If your provider has already referred you to Two Chairs, please check your email for information about your matching appointment.

Kaiser Permanente Washington members do not need a referral.

Insurance Support

We know that navigating insurance isn’t easy. These are just some of the ways our Care Coordination team can help.

Maximize your reimbursement

Did you know you may be eligible to have 60-80% of your cost covered by out-of-network benefits? We’ll look up the details of your insurance plan so you don’t miss out.

Get support with claims

Insurance can be complicated, but we’ll support you throughout the entire process and may even be able to submit out-of-network claims on your behalf.

Speak with our team

If you have any questions about insurance before or during your care at Two Chairs, our Care Coordination Team is available 5 days a week to help.

We'll help you understand your benefits

Don't know where to begin with insurance? Contact our Care Coordination team for answers to any questions about using your benefits for therapy at Two Chairs.

Matching Satisfaction Guarantee

If we can’t match you to a therapist that’s right for you and you choose not to engage in care at Two Chairs, we will refund the full cost of your matching appointment.

Here’s how it works

How do I know if I’m eligible for a refund?

To be eligible for a refund, you must have attended the matching appointment and been matched with a therapist. However, if you have been significantly delayed in receiving a match, or are unable to be matched based on your needs or preferences for care, you can also request a refund.

How do I request a refund?

Requests for refunds should be made through an email to and contain your name, your matching appointment date, and the reason for refund request that mentions or implies lack of satisfaction with the matching appointment and/or references the guarantee. Refund requests must be made within 2 weeks after the consult appointment.

When can I expect the refund I’ve requested?

Two Chairs will provide the refund through our payment processing platform (within 1 week after the refund is requested).

What if I’m unhappy after I’ve started care?

Refunds cannot be provided to clients who begin care. Clients who begin care and are dissatisfied after a first appointment can be rematched at no charge to the client; however, attended sessions will not be refunded. We want your experience with Two Chairs to be a meaningful step on your care journey, and we will make every effort to rematch you if you are dissatisfied after starting care.

Insurance FAQs

If you have more questions, our Care Coordination Team would love to help.
Will my insurance company cover my care with Two Chairs?

Two Chairs is an out-of-network provider with most insurance companies. This means that if you have a PPO plan, you may be eligible for reimbursement for a portion of the costs of care once you meet your out-of-network deductible. While we cannot guarantee reimbursement, our Care Coordination team ensures you are not alone in dealing with insurance companies. We’ll help you understand your benefits and we’ll do everything we can to support you through the process. Contact us at for more information about your specific plan.

How do I submit claims to my insurance company?

By providing us your most up-to-date insurance information in your Two Chairs profile, we’ll have everything we need to get started. In most cases we’ll be able to submit out-of-network claims on your behalf. If we cannot, our Care Coordination team will reach out and walk you through how to submit them yourself. Please reach out to for more information on the claims submission process.

How much money will I get back?

This depends on your specific insurance plan, out-of-network deductible, coinsurance rate, allowed amount, and the type of medical service you received. Here’s a resource to help you ask your insurance company the right questions: Making Sense of Out-of-Network Insurance Benefits. Reimbursement rates vary widely by zip code, insurance company, and plan type. Please reach out to for help understanding your out-of-network benefits, or call us at (415) 202-5159.

How long will it take to get reimbursed?

On average, it can take anywhere from a few weeks to a few months for claims to be processed, but specific timelines depend on your insurance company and the complexity of your claim. Once the claim has been submitted, the best contact for a status update is your insurance company’s Member Services or your online insurance portal. Member Services phone number can be located on the back of your insurance card.

Can I use my HSA or FSA to pay for Two Chairs appointments?

Yes, you can! Two Chairs accepts FSA/HSA dollars as long as your FSA/HSA card is affiliated with a major credit card. If you would like to use your FSA/HSA card to pay for your care, please enter the payment information when you schedule your initial matching appointment or call us at 415-202-5159 and we can help get you set up. We can also provide you with any necessary paperwork to get reimbursed if your FSA/HSA account doesn’t have an associated debit card. A note that submitting receipts tends to be easier if you are also submitting your claims to your insurance company, and can ensure that you are making the most of your FSA/HSA benefits.

How is the insurance process different if I have Kaiser Permanente (KP) insurance?

Two Chairs receives a limited number of in-network referrals from KP Northern California and KP Washington each week. If you have active insurance coverage through either of these KP networks, you may be eligible to receive a referral to Two Chairs. With an active referral authorization to Two Chairs, your in-network benefits will apply to your Two Chairs sessions. This means you will pay your copay to Two Chairs, and we will handle the rest. Please note that at this time we do not accept referrals from KP Southern California or any other KP networks.

I received a referral from Kaiser Permanente (KP), what’s next?

It typically takes 3-5 days for your Kaiser Permanente referral to process, at which point you will receive an email from our Care Coordination team with the link to book your matching appointment. If you’re a Kaiser Permanente Washington member, you do not need to wait for the referral to come through to book your matching appointment. If you have not received any outreach from Two Chairs within 5 business days of receiving your referral, please give us a call at 415-202-5159. You can also email us as

How can I get a Kaiser Permanente (KP) referral?

Two Chairs accepts referrals from Kaiser Permanente Northern California and KP Washington at this time, however a referral is not required for KP Washington members.

If you have Kaiser Permanente Northern California insurance, please talk to your Primary Care Provider about getting a referral to Two Chairs.

I already booked a Two Chairs appointment with my Kaiser Intake Assessment Coordinator. What should I do next?

If your Kaiser Permanente provider has booked an appointment for you with Two Chairs, please check your email. You will have an email from Two Chairs with the details of your matching appointment, as well as a link to complete your pre-session paperwork. Your paperwork must be done by 7 am PT on the day of your appointment, or it will be automatically rescheduled.

My Kaiser Intake Assessment Coordinator booked me for a “matching appointment” with Two Chairs. What is that?

Two Chairs uses a unique matching system to find clients their right therapists. Research shows this is a key predictor of success in therapy. A matching appointment is a 45-minute session with a licensed clinician where you’ll discuss what brings you therapy, your preferences for a therapist, and your weekly availability. Two Chairs uses the information from your onboarding paperwork and your matching appointment to find the right therapist for you.