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Payment & Financing Options.

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CALM DOWN KIDS offers several ways to pay for services so that families can find the option that fits their budget, insurance situation, and preferred level of convenience.

We understand that every family’s financial situation looks a little different, and navigating payment options for your child’s care can feel confusing or overwhelming. To make things easier, we’ve built several flexible ways to pay for services so you can choose the option that best matches your budget, your insurance benefits, and the level of simplicity you prefer. Whether you want a straightforward private-pay approach, need help using out-of-network insurance, or prefer a structured monthly payment plan, our goal is to make high-quality support accessible without added stress.

What are the different payment options?

Private Pay

You pay for services out of pocket at the time of service. No insurance involvement.

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Out-of-Network (OON) With Superbills

You pay for sessions upfront, and we provide a monthly superbill you can submit to your insurance for partial reimbursement based on your OON benefits.

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Out-of-Network (OON) Through Thrizer

Thrizer is a billing service that acts as a middle step. You pay only your estimated co-insurance, and Thrizer pays us directly. They then handle the reimbursement process with your insurance.

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CareCredit

A healthcare credit line that allows you to spread the cost of assessments or therapy over time with monthly payments. Some plans offer 0% interest promotional periods.

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1

Schedule a call.

Reduce the back-and-forth of phone tag. Schedule a call within the next two weeks.

2

Discuss your needs.

Speak with a psychologist about your concerns and ask questions about the services offered.

3

Make things better.

Make a plan for ongoing services and resources. Watch your family transform.

Private Pay (Self-Pay)

Best for:Families who want maximum flexibility, do not want a diagnosis shared with insurance, or have HSA/FSA funds they can use.

Pros

    Full privacy — no diagnosis required for reimbursement
    No limits on number of sessions or service type
    No insurance delays
    You stay in complete control of your child’s care

Cons

    Higher upfront cost
    Not eligible for insurance reimbursement

How to sign up:Sign your Good Faith Estimate. You will be automatically charged after each session using the credit or debit card you placed on file. HSA/FSA cards can also be used. 
A Good Faith Estimate is a document required under the No Surprises Act that outlines the expected cost of your care over a specific period. We provide an updated estimate every 3 months so you always have a clear understanding of the anticipated number of sessions, the projected fees, and how your treatment plan may impact your budget. This is not a bill—just a transparent estimate to help you plan ahead.

Schedule a call today.

Out-of-Network (OON) With Superbills

Best for:Families with PPO insurance plans and OON benefits who don’t mind doing their own submissions and waiting for reimbursement.

Pros

    Many PPO plans reimburse a significant portion
    You can choose your provider even if they're not in network
    You get the potential cost savings and freedom

Cons

    You pay full fees upfront
    Reimbursement is not guaranteed
    Insurance reimbursement can take 2–8+ weeks
    Requires you to manage submission and follow-ups

How to sign up:Simply begin services as normal. On the 10th of each month, we send you a superbill automatically. You submit it to your insurance via your member portal.

Schedule a call today.

Out-of-Network (OON) Through Thrizer

Best for:Families with PPO insurance plans and OON benefits who don’t mind doing their own submissions and waiting for reimbursement.

Pros

    No more paying full cost upfront
    You only pay your estimated portion (often 20–40%)
    Thrizer handles all insurance paperwork
    Fast, predictable payments

Cons

    Thrizer charges a small fee for the service
    Requires linking your insurance and a payment method
    Your insurance must have OON benefits

How to sign up:Simply begin services as normal. We will send you an invitation to Thrizer. Then choose one of the 3 options:

  • Thrizer verifies your out-of-network benefits and calculates your estimated portion (often 20–40%). You pay only that amount, and Thrizer pays us the rest upfront. They then handle reimbursement with your insurance.How to sign up:1. We send you a Thrizer invitation link.2. Create your free Thrizer account.3. Link your insurance and a payment method.4. Thrizer confirms your OON benefits and sets your reduced session rate.5. Starting at your next session, Thrizer bills you only your estimated co-insurance.

  • You still pay our full fee upfront, but Thrizer takes over the reimbursement process so you don’t have to submit anything yourself.How to sign up:1. Use the invitation link to create your Thrizer account.2. Upload your insurance information.3. Thrizer collects superbills directly from us each month.4. Thrizer submits them to your insurance on your behalf and tracks reimbursement.5. Insurance sends reimbursement directly to you, making the process hands-off.

  • You pay the full session fee upfront, and when your insurance reimburses Thrizer, Thrizer pays you immediately instead of you waiting weeks for your insurance to issue a check.How to sign up:1. Sign up via your Thrizer invitation link.2. Link your insurance and bank account.3. Continue paying full session fees as usual.4. Thrizer reroutes insurance reimbursements so they come to them first, then releases the reimbursement to you immediately after they receive it.

Schedule a call today.

CareCredit

Best for:Families who need structured monthly payments or want to finance larger services (such as assessments) without delaying care.

Pros

    Monthly payment options
    Useful for higher-cost services like assessments
    Quick approval process
    Allows families to get care now and pay over time

Cons

    Credit check required
    Interest applies if not paid within promo period
    Not all families want to open a credit line

How to sign up:Apply directly through CareCredit’s website. Once approved, you can use your CareCredit card to pay for services with us the same way you would use a regular credit card.

Apply for carecredit.Schedule a call today.