Seeing a therapist out of network? You may be overpaying.

Inclara asks your insurer to cover the therapist you already see at in-network rates. You only pay if it's approved.

No fee unless your coverage is approved HIPAA-compliant

You may qualify if:

Your insurance is through an employer, and
You see (or want to see) a therapist who is out-of-network, and
One of these is true: you're already in treatment, no in-network provider fits your language or need, or your need is urgent.

How it works: we handle the hard parts

You sign the intake

About 10 minutes, secure, and gives us authorization to act on your behalf.

We document the gap

We show, in writing, that your plan has no adequate in-network option for your need.

Your therapist adds a letter

A short letter of medical necessity; we combine it with the gap documentation and submit the formal request.

We file and follow up

We submit the request and follow up with your insurer until it decides.

Why it's low-risk

No fee unless your coverage is approved. If we don't win, you owe us nothing.

HIPAA-compliant from intake to decision. Every document and conversation is handled under strict privacy safeguards.

We argue the specific grounds plans recognize for exceptions: continuity of care, language and culture fit, specialty, and network inadequacy.

It takes about 10 minutes to find out.

This isn't a verdict, just a starting point. We'll review what you share and follow up personally, usually within a couple of business days.

Your name

Phone (optional)

State

Your therapist, if you have one (optional)

How do you get your insurance?

Their license (optional)

What's going on?

Please don't include sensitive health details here; we'll follow up with a secure way to share anything further.

Frequently asked questions

What's a network gap exception?

Your plan agreeing to apply your in-network benefits to an out-of-network therapist, because its own network can't meet your need. It's what we ask for in most cases. More on gap exceptions

What if it's denied?

You owe nothing, and we tell you plainly whether re-filing is worth it.

What does it cost?

Nothing upfront. A one-time fee only if your coverage is approved.