The right mental health provider, covered like they're in-network.
Whether it's continuity with someone you trust, a provider who shares your language or culture, or expertise your plan doesn't have in-network, Inclara fights your insurer for in-network coverage.
Four steps, and we handle three of them.
Tell us about your care
Sign the intake and authorization forms so we can act as your representative. About 10 minutes, done securely online.
We document the gap
We search your plan's provider directory and show, in writing, that no adequate in-network option exists for your specific need.
We build your case
Your provider supplies a letter of medical necessity; we combine it with your gap documentation into a formal request.
We negotiate your coverage
We submit the request and push your insurer for a network gap exception or single case agreement: in-network rates, no balance billing.
Built for a hard moment, not a sales funnel.
No fee unless we win
We only get paid if your insurer approves the request. If we don't win, you owe us nothing.
We do the paperwork
Network searches, medical necessity letters, formal requests: we handle the parts that eat up your time and energy.
HIPAA-compliant, always
Every document and conversation is handled under strict privacy safeguards, from intake to the final decision.
Built on real grounds
We argue the specific reasons insurers are required to grant exceptions: language needs, provider specialty, continuity of care, or network inadequacy.
Have an out-of-network client who wants to stay with you?
Refer them to Inclara. We handle the insurance fight so your client can keep seeing you, and you can stay focused on the clinical work.
What people ask before starting.
What is a network gap exception?
When your plan doesn't have an adequate in-network provider for your specific need, insurers can be required to cover an out-of-network provider at in-network cost. That's what we request on your behalf.
What if my request is denied?
We tell you plainly and walk you through what's next, including whether it's worth re-filing with more documentation. You still owe us nothing if we don't win.
How much does it cost?
Nothing upfront. We only charge a fee if your insurer approves the coverage request: [YOUR FEE].
Is my information kept private?
Yes. Every form, document, and conversation is handled under HIPAA-compliant safeguards, from intake through the final decision.
Ready to get your provider covered?
It takes about 10 minutes to find out if you qualify.
Check if you qualify