Therapy Rates
& Insurance Reimbursement
Made Easy and Accessible
We’re a private-pay, out-of-network practice, and we make reimbursement simple. Most clients get 50–80% back. Others choose not to use insurance at all, for privacy and flexibility.
We understand that you may have questions. Check out our FAQ section to learn more detailed information on therapy rates, insurance, and reimbursements.
Prefer to Keep Insurance Out of It?
Many of our clients choose not to use their out-of-network benefits, for reasons that are deeply personal:
- To avoid receiving a mental health diagnosis on their insurance record
- To protect their privacy and confidentiality
- To maintain full control over the length, frequency, and goals of therapy, without insurance dictating care
Whether or not you use your benefits is entirely up to you. We support you either way.
Session Rates
As a fee-for-service and out-of-network provider, we can provide a Superbill for you to submit to your insurance for potential reimbursement. While therapy is a significant investment, we are happy to discuss any concerns about session costs—just let us know.
Need a Lower Fee?
Our therapists offer a limited number of sliding scale sessions between $150–$165, based on financial need and availability.
Please ask. We are happy to discuss this with you.
Not Sure About Your Benefits?
We’re happy to help you understand your coverage before you begin.
What You Might Pay with Fees starting at $175
(If You Use Out-of-Network Benefits and Receive Reimbursement)
| Session Fee | Typical Reimbursement | Estimated Cost After Reimbursement |
| $175 | 50% to 80% | $40 to $90 per session |
| $200 | 50% to 80% | $60 to $120 per session |
| Session Fee | Typical Reimbursement | Estimated Cost After Reimbursement |
| $175 | 50% to 80% | $40 to $90 per session |
| $200 | 50% to 80% | $60 to $120 per session |
You can also use HSA/FSA funds to reduce costs further. And once you reach your insurance plan’s out-of-pocket maximum, therapy sessions may be fully covered.
FAQs
Do You Accept Insurance?
We are out-of-network with all insurance providers, which means you pay us directly for sessions.
Most clients receive 50–80% of the session cost back directly from their insurance provider once they’ve met their deductible.
What Forms of Payment are Accepted?
We accept cash and checks as well as HSA, Credit Cards, and Debit Cards.
When is Payment Due?
Payment is due at the time of service.
What is the Cancellation Policy?
The full fee is charged for appointments missed and for appointments cancelled less than 24 hours in advance.
Emergencies and circumstances beyond your control will be addressed on a case-by-case basis.
Are Sessions In-Person or Virtual?
Therapy sessions, including Intensive Therapy, can be done either online using a HIPPA-compliant video platform or in-person.
Good Faith Estimate
“RIGHT TO RECEIVE A GOOD FAITH ESTIMATE OF EXPECTED CHARGES” UNDER THE “NO SURPRISES ACT”
Effective 01/01/2022
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
Under the law, health care providers are required to give patients who don’t have insurance, or who are not using insurance, an estimate of the expected charges for medical items and services.
This includes services like mental health therapy. You can request a Good Faith Estimate from your health care provider—and from any other provider you choose—before you schedule a service.
If you receive a bill that is $400 or more than your Good Faith Estimate, you have the right to dispute the bill.
Make sure to save a copy or take a picture of your Good Faith Estimate for your records.
Have questions or need more information about your right to a Good Faith Estimate? Visit www.cms.gov/nosurprises, read this resource, or call (720) 845-6600.
Using Out-of-Network Benefits for Therapy
Private care, personal attention, and support every step of the way.
While I do not bill insurance directly, many of my clients use their out-of-network benefits to receive partial reimbursement for therapy sessions.
If you have a PPO or POS plan, your insurance may cover a significant portion of each session. To learn more, please call your insurance company.
Why We Chose Not to Work Through Insurance
This choice comes from a place of deep care for the therapeutic process—and for you.
Working outside of insurance allows us to create a space that is confidential, flexible, and truly focused on your needs. Insurance often requires a diagnosis, limits how many sessions you can have, and may even dictate how therapy should be approached. That doesn't align with how I believe meaningful healing happens.
Here’s what this means for you:
-
- You won’t be required to receive a mental health diagnosis unless it's something we both agree is helpful
- We aren’t bound by session limits or timeframes set by someone outside the room
- What we talk about stays between us—insurance companies won’t have access to your private information
- We can focus on your whole story, not just the symptoms that check a box
Therapy is also an investment—in your peace, your relationships, your clarity, and your long-term well-being. Many clients have told me that the insight and healing they’ve gained here prevented much costlier outcomes later—whether in legal fees, divorce, years of burnout, or repeating painful relationship patterns.
The value of this work extends far beyond the hour we spend together. It builds the foundation for the life you actually want to live.
How to Use Your Out-of-Network Benefits
To find out if you qualify for reimbursement, call your insurance company and ask:
-
- Do I have out-of-network mental health coverage?
- What is the reimbursement rate for sessions with a Licensed Clinical Social Worker (LCSW)?
- Is there an out-of-network deductible to meet first?
- What is the process for submitting a superbill?
Each month, I’ll provide a superbill (a detailed receipt with all required codes). You can send it directly to your insurance company.