Mentaya

What Mentaya does

Mentaya is a US-based healthcare technology platform that enables private pay mental health therapists to help their clients receive out-of-network insurance reimbursement without requiring therapists to join insurance panels. Operating as a brand under Zaya Health Inc., the platform serves two primary user groups: private pay therapists (psychologists, psychotherapists, and mental health practitioners) who want to maintain cash rates while keeping therapy accessible, and their patients who hold out-of-network insurance benefits. Founded in 2021 and headquartered in San Francisco, the company operates with a 1-10 person team and HIPAA-compliant infrastructure.

The core product, the Mentaya Toolkit, provides instant benefits verification, automated out-of-network claim submission, and access to insurance experts for appeals, denials, and resubmissions. The platform includes an instant benefits checker that confirms eligibility within seconds using client name, date of birth, and member ID; automated claim handling integrated with therapists' existing practice-management systems via iCal sync (SimplePractice, TheraNest/Ensora); and a text-based submission confirmation workflow. An embeddable benefits-check widget can be placed on therapist websites to attract new private-pay clients. A beta EHR module provides scheduling, billing, intake forms, and session notes at no cost, and a self-service Past Superbills feature lets clients bulk-submit historical claims without therapist involvement.

Mentaya's business model is primarily transaction-based: patients pay a 5% per-claim fee (e.g., $10 on a $200 session), with the first claim free, and Stripe payment processing fees (2.9% + $0.30 for cards, 0.8% capped at $5 for ACH) are passed through at cost with no markup. An optional Benefits Calculator subscription is priced at $39 monthly or $29 on annual billing and includes unlimited checks plus a website widget; the Past Superbills self-service product carries a 10% processing fee. Distribution is product-led and self-serve, with therapists onboarding independently and inviting clients via shareable links. Marketing relies on content/SEO, earned media (Money Magazine, Psychology Today), and a partner ecosystem including Productive Therapist, Hushmail for Healthcare, and CPH Insurance.

Name

Mentaya

Legal name

Zaya Health Inc.

Website

https://mentaya.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Mentaya is a US healthcare technology platform that helps private pay mental health therapists automate out-of-network insurance claim submissions so their clients receive reimbursement while therapists avoid joining insurance panels.

Ownership category

akta.pro rank

Product category

Mental Health Billing Software

NAICS

Offices of Mental Health Practitioners (except Physicians) (621330)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Mental Health Therapist Marketplaces (HLALALAJ)

akta.pro secondary industry

General Mental Health Therapy Platforms (Talk Therapy) (HLALAEAA)

Keywords

• Out-of-network billing
• Insurance claims automation
• Therapy reimbursement platform
• Benefits verification software
• Mental health billing

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Patient Claim Processing Fee: 5% fee per claim charged to clients/patients (e.g., $200 session = $10 per claim). Includes claim submission, handling denials, resubmission, and insurance follow-up at no additional cost.
2. Benefits Calculator Subscription: Optional monthly/annual subscription for therapists to access instant benefits calculator for their clients. $39/month monthly or $29/month annual.
3. Payment Processing (Pass-through): Stripe payment processing fees passed through to clients: 2.9% + 30 cents for credit cards, 0.8% (capped at $5) for ACH direct debit. Mentaya takes no cut on payment processing.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Mentaya is a cloud-based platform that enables private pay mental health therapists to automate out-of-network insurance claim submission on behalf of their clients. The service delivers instant benefits eligibility checks, end-to-end claim filing with denial and resubmission handling, an optional Benefits Calculator widget for therapist websites, and a beta integrated EHR. Clients/patients are charged a 5% per-claim fee, and the core claim service is free for therapists.

Product overview

Mentaya is a mental health billing and reimbursement platform consisting of The Mentaya Toolkit as its core product, which combines instant benefits checking, automated out-of-network claim submission, and insurance expert support. The platform offers an optional Benefits Calculator add-on for therapist websites and a complementary Mentaya EHR system (currently in beta, free access) that provides scheduling, billing, intake forms, and notes. The system automates claim submission from start to finish, handles denials and resubmissions, and supports self-service past superbill submission for clients. Therapists can embed the Benefits Calculator widget on their websites to attract new private pay clients.

Differentiator

Problem solved

Functional benefit

Products and services

• The Mentaya Toolkit Primary platform for private pay therapists that provides instant benefits checking, automated out-of-network claim submission, and access to insurance experts for reimbursement support, enabling therapists to grow private pay caseloads while helping clients get reimbursed without lowering rates.
• Benefits Calculator Optional subscription add-on that lets therapists instantly check clients' out-of-network insurance benefits and embed a Benefits Calculator widget on their websites to attract new private pay clients.
• Mentaya EHR Beta EHR for out-of-network providers offering scheduling, billing, intake forms, and session notes, with Google Calendar and iCal sync, client management, and document handling integrated with claims processing.
• Automated Claim Submission Automated out-of-network insurance claim submission service that handles the entire claims process from start to finish, including chasing down reimbursements and handling denials and resubmissions at no extra cost.
• Past Superbills Submission Self-service option that lets clients bulk submit past superbills from previous therapy sessions directly through their portal with no therapist involvement required, charged a 10% processing fee.

Quantifiable outcome

• Clients receive ~62% reimbursement on therapy sessions on average
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Productive TherapistminorGTM or Marketing PartnerMental health group practice support company providing virtual assistants for client care coordination and back office tasks. Offers podcast, email newsletter, business directory, and training resources. Mentaya partner channel for reaching group practice owners.
• CPH InsuranceminorGTM or Marketing PartnerMalpractice insurance provider for mental health professionals. Offers coverage tailored to therapists including licensing board defense and free attorney consultation. Mentaya offers special pricing/discounts for Mentaya customers.
• StripecoreTechnology or IntegrationPayment processing infrastructure. Mentaya uses Stripe to process credit card and ACH payments from clients, passing fees directly through without markup.
• SimplePracticecoreTechnology or IntegrationEHR/ Practice management system integration via iCal sync. Allows therapists using SimplePractice to sync their calendar with Mentaya for automatic session tracking and claim submission.
• TheraNest / EnsoracoreTechnology or IntegrationEHR/ Practice management system integration via iCal sync. Allows therapists using TheraNest/Ensora to sync their calendar with Mentaya for automatic session tracking and claim submission.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Spring Health: Enterprise mental health benefits provider offering in-network therapy and coaching. Competes for the same end patient by steering them away from private-pay OON sessions and toward covered in-network care.
• SimplePractice: Leading EHR and practice management platform for private-pay therapists; integrates with Mentaya via iCal but could internalise OON claim automation. Represents both a partner and a bundling threat.
• Lyra Health: Employer-sponsored mental health benefits platform that funnels therapy sessions through its own in-network provider network. Represents a long-term structural threat to the OON market Mentaya depends on.
• BetterHelp: Large direct-to-consumer teletherapy subscription service owned by Teladoc. Competes for therapy demand and, by offering a low-cost subscription alternative, reduces the willingness of patients to pay out-of-pocket for private-pay therapists.
• TheraNest (Ensora): Practice management and EHR serving mental health providers, with built-in superbill and billing tools. Competes for the same therapist workflows and could expand into automated OON claim submission.

Emerging players

• Grow Therapy: Therapist marketplace with insurance billing, credentialing, and practice management tooling. Addresses the same therapist audience but on the in-network model, pulling therapists out of OON-only practices.
• Alma: Therapist membership platform that enables insurance acceptance and provides billing infrastructure. Competes for the same private-pay/insurance-hybrid therapist customer and offers claims services in-house.
• Headway: Mental health platform that helps therapists join insurance networks and handles credentialing and billing. Targets the same therapist base as Mentaya but on the in-network side, representing a structural alternative to OON billing.

Others

• Stripe: Payment processing infrastructure provider used by Mentaya to handle credit card and ACH transactions with pass-through fees. Ecosystem enabler rather than direct competitor, but relevant for understanding payment cost structure.

Direct peers

• Reimbursify: Direct competitor offering out-of-network claim submission and benefits verification for therapy patients and providers. Closest like-for-like to Mentaya's core Toolkit, with overlapping therapist ICP and 5%-class transaction pricing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/madebyflowcraft
• Instagraminstagram.com/madebyflowcraft

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mentaya