How much does therapy cost?
Insurance & Private Pay: Understanding Your Therapy Investment
Invest in Your Well-Being
Therapy isn’t just an appointment. It’s an investment in clarity, confidence, and lasting change—a commitment to building the life, relationships, and peace of mind you deserve.
We know choosing the right therapist matters. That’s why we offer a team of experienced clinicians, each with their own specialties, rates, and insurance options—so you can find the support that truly fits you
The best investment you can make is in yourself. Growth, healing, and clarity aren’t expenses—they’re the foundation for everything that comes next.
Meet Our Clinicians!
Founder, M.Ed., LPC-S, LMFT-S
MSW, LCSW, LICSW
MS, Resident in Marriage and Family Therapy
Intern in Marriage and Family Therapy
“The ultimate goal of the therapist is not to provide his patients with a series of intellectual insights but to help them change their lives.”
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Founder-M.Ed., LPC-S, LMFT-S
Online Individual Session
Intake $180; Ongoing $160
Online Couple Session
Intake $220; Ongoing $200
Online Family Session
Intake $270; Ongoing $250
In-home sessions provided for couples and families within a 25-mile radius for an additional $100
2 hours In-Home couple/family session $500
*24-hour cancellation policy
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MSW, LCSW, LICSW
Online Individual Session
Intake $180; Ongoing $160
Online Family Session
Intake $270; Ongoing $250
In network with: United, Aetna, Cigna
*24-hour cancellation policy
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MS, Resident in Marriage and Family Therapy
Online Individual Session
Intake $90; Ongoing $80
Online Couple Session
Intake $110; Ongoing $100
Online Family Session
Intake $130; Ongoing $120
In network with: Aetna
*24-hour cancellation policy
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Intern in Marriage and Family Therapy
Online Individual Session
Intake $45; Ongoing $40
Online Couple Session
Intake $55; Ongoing $50
Online Family Session
Intake $65; Ongoing $60
*24-hour cancellation policy
Prices
Additional Fees/Information
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Premarital sessions do require an additional assessment which is a one-time payment of $40.
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Documents for court, school, or work can be provided for $15 per page.
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We do not provide animal support letters or complete disability claims.
Insurance vs. Private Pay: What’s Right for You?
Therapy is an investment in growth, healing, and connection—and choosing how to pay for care is an important part of the process. While insurance can make therapy more financially accessible, private pay offers greater flexibility and privacy.
Pros & Cons of Using Insurance for Therapy
✅ Lower out-of-pocket cost – Insurance can cover a portion or all of your therapy sessions, reducing upfront expenses.
✅ Makes therapy more financially accessible – Coverage helps individuals afford consistent care.
✅ May cover specialized services – Some plans offer additional benefits for mental health assessments or psychiatric services.
❌ Diagnosis requirement – Insurance often requires a formal mental health diagnosis for coverage, which can impact privacy and future insurance eligibility.
❌ Limited therapist options – Providers must be in-network, restricting flexibility in choosing the right clinician for you.
❌ Less personalized care – Insurance may dictate the length, frequency, or type of therapy, limiting treatment decisions.
Pros & Cons of Paying Privately (Cash Pay)
✅ Greater privacy – No permanent diagnosis attached to your health record, protecting confidentiality.
✅ Full control over your therapy – Care is collaborative, not dictated by insurance companies, allowing flexible session lengths and approaches.
✅ More choices in therapists and treatment – You’re free to choose a provider that fully aligns with your needs, rather than limiting options to insurance-approved clinicians.
❌ Higher upfront cost – Without insurance assistance, clients pay the full session fee out-of-pocket.
❌ Less financial accessibility for some – Long-term care may feel less sustainable for those without financial flexibility
Understanding Your Coverage: Questions to Ask Your Insurance Provider
Navigating insurance can feel overwhelming, but getting clarity on what’s covered
can make all the difference. Here are some important questions to ask your provider to help you understand your benefits
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Before checking for in-network or out-of-network benefits, confirm your plan includes mental/behavioral health services. Some plans may require referrals or have restrictions on coverage.
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Some insurance plans require approval before covering therapy. Ask if you need authorization or a referral from a primary care provider.
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Insurance may exclude certain mental health conditions from coverage. Understanding this upfront can help avoid unexpected costs.
General Questions
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A copay is a fixed amount per session, while coinsurance is a percentage of the cost. Knowing this helps estimate expenses.
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Some plans cap the number of covered therapy sessions annually. Check if there are limits on the number of visits.
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Do you cover the CPT codes 90791, 90834, and 90837? If so, at what rate?
In-Network Coverage
Out-Of Network Coverage
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This is the amount you need to pay out-of-pocket before your insurance starts reimbursing costs.
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Insurance can provide a breakdown of how much you've already paid toward your deductible.
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Coinsurance determines how much your insurance reimburses. For example, if your rate is 60% and the therapist's fee is $160, you may receive $96 back per session.
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A Superbill is a document detailing your therapy sessions. Ask about submission deadlines and where to send claims.
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Coverage for specific therapy services may differ for out-of-network providers. Confirm which codes are eligible for reimbursement.
Insurances we accept for Individual Counseling
Aetna
Cigna
Optum/United
Oscar Health
Oxford
If you don’t see your insurance listed and you would like to file have your insurance pay for some of all of your fees, please reach out to your insurance company and ask about your Out of Network (OON) benefits. Note, that insurance companies may only cover a portion of payment. They do require that you are given a mental health diagnosis and can request a copy of your records at any time.
We believe therapy should be empowering, not restricted by insurance limitations—but we also know affordability matters. If you're unsure which option fits your needs, we’re happy to help explore your coverage and payment choices.
With different clinicians offering varying rates and insurance options, you have the flexibility to choose the therapist who best fits your needs. No matter how you decide to invest in therapy, we’re here to support you every step of the way.