Therapy can be life-changing—but figuring out how to pay for it shouldn’t be a full-time job. In this episode of Her Time to Talk, we break down Insurance 101 for mental health care: what terms like deductibles, copays, F codes, and out-of-network really mean, and how they impact your care, cost, and confidentiality.

We also explore the real pros and cons of using insurance for therapy versus paying out of pocket—and how to know which option is right for you. Whether you're overwhelmed by your benefits, unsure what to ask your provider, or looking for reimbursement help, this episode is your guide to making therapy more accessible without sacrificing peace of mind.

Because your mental health matters—and you’re worth the care it takes to heal.

Topics We Cover in This Episode:

• What insurance really covers for mental health
• The difference between PPO, HMO, EPO, and other plan types
• Understanding deductibles, copays, and coinsurance
• Why your therapist needs to assign a diagnosis—and what that means
• What F codes and Z codes are (and why insurance only covers one of them)
• The difference between in-network and out-of-network therapists
• What a superbill is, and how out-of-network reimbursement works
• Confidentiality, diagnosis, and your permanent medical record
• Why many therapists don’t take insurance
• How to decide what’s right for your care, values, and budget

Resources Mentioned:

• Her Time Therapy – Book a Free Consultation
• Mentaya – Out-of-Network Reimbursement Help

Connect with Us:

• Follow us on Instagram: @HerTimeToTalk
• Support the show on Patreon
• Subscribe, rate, and leave a review wherever you listen
• Share this episode with someone who’s ready to start therapy but unsure where to begin

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This week on Her Time To Talk, we're joined by therapist, mother, and assistant practice manager at Her Time Therapy—Lauren Veazey—for an intimate and powerful conversation about the emotional reality of new motherhood.

Lauren shares her personal story of miscarriage, postpartum anxiety, intrusive thoughts, and identity loss alongside her clinical insight into the difference between the baby blues and postpartum depression. We talk openly about the cultural silence that keeps so many mothers suffering alone—and why healing starts with being witnessed, validated, and supported.

Whether you’re a new parent, someone navigating fertility, or simply trying to understand what support during the perinatal period should look like, this episode is for you.

In this episode, we explore:

• What distinguishes baby blues from clinical postpartum depression
• How intrusive thoughts show up—and why they’re more common than you think
• The grief and identity shift that can come with becoming a parent
• What therapy can offer for women in the perinatal and postpartum periods
• Why naming your experience and sharing your story can be a radical act of healing

RESOURCES & LINKS:

• Learn more about Lauren Veazey
• More from Lauren on PMADS
• More from Lauren on What Motherhood Awakens
• National Maternal Mental Health Hotline: 1-833-TLC-MAMA
• Postpartum Support International or 1-800-944-4773 (4PPD)
• The Birth Squad: Colorado Perinatal Mental Health Project
• Healthy Expectations Perinatal Intensive Outpatient Program
• Colorado Crisis Services: Call 1-844-493-TALK (8255) or text "TALK" to 38255 for 24/7 support.
• National Suicide & Crisis Lifeline: Dial 988 for immediate assistance.

Connect with us:
🌐 www.hertimetherapy.com
🎙️ Patreon

If this episode resonated with you, consider supporting the podcast by subscribing to Her Time To Talk so you never miss a conversation that matters.

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In this powerful episode, we’re joined by Adriana Martin De La Torre, a bilingual, bicultural therapist at Her Time Therapy who also works with refugees and immigrants through a local nonprofit. Adriana shares her wisdom on culturally inclusive counseling—why it matters, how language and identity shape the therapeutic process, and how clients can navigate the complex journey of finding a therapist who truly sees them.

Together, we explore:

• The difference between cultural competence and cultural humility
• Why Western therapeutic models don't always fit clients from collectivist cultures
• The role of intergenerational trauma and assimilation in mental health
• How language can unlock deeper emotional expression
• Red flags to watch for when looking for a culturally affirming therapist
• The healing power of validation, curiosity, and connection

Whether you're a therapist working to deepen your practice or someone seeking a counselor who understands your lived experience, Adriana offers invaluable insight, compassion, and practical tools for navigating the therapeutic space with cultural awareness and integrity.

🧡 “Validation and curiosity go further than assumptions. Your culture is not a barrier—it’s a strength.”

Learn more about our practice: www.hertimetherapy.com
Support the podcast: Patreon – Her Time to Talk

Support the show