Accepted Insurances at Real Talk Therapy Services
Insurance participation varies by state. Below is the current status for Nichole Esparza’s active and pending panels:
Texas
Aetna
Blue Cross and Blue Shield of Texas
Cigna
Carelon Behavioral Health
Anthem EAP
United Healthcare / Optum
Oscar (Optum)
Oxford (Optum)
Quest Behavioral Health
Blue Cross Blue Shield of Massachusetts (virtual network)
Blue Cross and Blue Shield of Texas Medicare Advantage (in progress)
Wellcare by Allwell
Humana Medicare Advantage (in progress)
Ambetter (in progress)
New Mexico
Aetna
Blue Cross and Blue Shield of New Mexico
Cigna
Carelon Behavioral Health
Anthem EAP
United Healthcare / Optum
Oscar (Optum)
Oxford (Optum)
Quest Behavioral Health
Blue Cross Blue Shield of Massachusetts (virtual network)
Aetna Medicare Advantage
United Healthcare Medicare Advantage
Humana Medicare Advantage
Florida
Cigna
Carelon Behavioral Health
Anthem EAP
Aetna
Ascension (SmartHealth)
Quest Behavioral Health
United Healthcare / Optum
Aetna Medicare Advantage (in progress)
United Healthcare Medicare Advantage
Devoted Health Medicare Advantage (in progress)
Oscar (Optum)
Oxford (Optum)
Humana Medicare Advantage (in progress)
Horizon Blue Cross Blue Shield of New Jersey (virtual network)
Independence Blue Cross Pennsylvania (virtual network)
Insurance & Payment
Therapy services are available to residents of New Mexico, Texas, and Florida through secure telehealth.
Nichole Esparza, LPCC-S (NM), LPC (TX), and Registered Telehealth Provider (FL), partners with Headway to make using insurance simple and secure.
At this time, insurance billing is handled under Nichole Esparza’s individual provider credentials through Headway.
Real Talk Therapy Services PLLC is in the process of becoming credentialed as a group practice for future insurance billing.
Headway verifies your benefits, processes claims, and manages payments directly with your insurance company, so you can focus on your sessions, not the paperwork.
Out-of-Network (OON) Benefits
If your insurance plan is not listed above, you may still be eligible for partial reimbursement by using your out-of-network benefits.
Here’s how it works:
- You pay the private pay rate at the time of service.
- Upon request, you’ll receive a superbill (an itemized receipt with all required insurance codes).
- You submit the superbill to your insurance provider for potential reimbursement based on your plan’s OON policy.
It’s recommended that you call your insurance provider directly to ask:
- “Do I have out-of-network mental health coverage for telehealth?”
- “What percentage of my session fee will be reimbursed?”
- “Where do I submit a superbill for reimbursement?”
Private Pay & Sliding Scale
Private pay sessions are available for those not using insurance.
Standard session: $100
Sliding scale: Offered through Open Path Collective for qualifying members, typically $40–$70 per session.
(Open Path requires a one-time $65 lifetime membership fee paid directly to the organization.)
Cancellation Policy
If you need to cancel or reschedule, please provide at least 24 hours’ notice to avoid being charged your full session fee.
Your full session fee is based on your agreed-upon rate (insurance, private pay, or Open Path).