Payment Plans

We understand that you may make decisions about continuing care based on the cost of your sessions with your provider. To ease the financial weight of treatment, we offer payment plans to stagger Alma invoices predictably, so that you can plan ahead.

If you would like to initiate a payment plan to address an Alma balance, you can reach out to us directly at to get started. 

Note: We cannot offer permanent payment plans outside of specific circumstances. That is, if you are paying down a deductible and owe 100% of your insurance session cost, we cannot set up an ongoing payment plan to change the amounts of your invoices week over week. Instead, you can request a payment plan to ease the burden of a one-time balance of multiple invoices. 

How do payment plans work?

Payment plans are available to anyone who is unable to pay an outstanding Alma balance within our 60-day window. If you would like to initiate a payment plan, you can reach out to us directly at to get started. 

  1. Once Alma receives a request for a payment plan, we will confirm the plan start date and ask you to select one of the following repayment schedules: 
    1. 2 weeks
    2. 4 weeks
    3. 6 weeks
      (These time increments are in line with most payment plan services, such as Klarna and Affirm.)
  1. We will then cancel your outstanding charges and create a new set of invoices to bill in increments until the payment plan is complete. 

  2. To begin a payment plan, you are required to have credit card enrolled in autopay. Your payment will automatically process within 24 hours of invoice creation. 
    • Saving a credit card to the Alma portal means you don’t have to worry about delayed payments or invoice reminders. 
    • It also guarantees that your provider won’t experience a disruption in their payouts for your care.

Let's take the example of a client with a $250 outstanding balance who selects a 4-week payment plan to demonstrate this process: 

  1. First, Alma receives a request from the client for a payment plan.
  2. We will confirm a payment plan duration (in this example, 4 weeks) and start date with the client.
  3. We will cancel the client’s previous outstanding invoices.
  4. We will issue new invoices in increments totaling up to $62.50 for 4 weeks in a row.
    • While enrolled in auto pay, we will charge the credit card they have on file within 24 hours of issuing each invoice.

How can you check your own insurance costs directly? 

We offer payment plans to manage a one-time accumulation of multiple invoices. This generally happens due to invoice adjustments after claims have processed through a client’s health plan. 

While Alma works hard to provide accurate eligibility checks based on the most up-to-date information available to us at the time, there can be many complexities within each plan that may lead to a difference in cost when the claim processes. You can read more about our insurance estimate process here: How Alma Conducts Eligibility Checks

The best way for you to mitigate the risk of invoice adjustments is to be aware of the details and nuances of your health plan. To verify your payment responsibility directly, you can reach out to your health plan by calling the number on the back of your insurance card. These guidelines can also support you in gathering the information you need: Contacting Your Insurance Carrier

In particular, we strongly recommend that you get in touch with your health plan if you believe you are close to paying off your deductible, or if you want to verify whether or not your deductible applies to mental health visits. You can find more information about deductibles here: Understanding Your In-Network Coverage

If you confirm with your health plan that you should be charged a different amount for your Alma sessions, you can reach out to to request invoice updates. If you are able to share a call reference number from the agent you speak to, that information will also assist our team in confirming updates with your health plan directly. 

If you have any questions about your Alma invoices, or if you want to request a payment plan, please reach out to our team at — we’ll be happy to help!

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