Fees and Insurance

Payment Arrangements


We accept:

  • United Healthcare (PPO only)

  • AETNA (PPO)

  • Out of Network

  • Self Pay $130 per session

Many of our clients opt for Out-Of-Network services. There are many benefits to using these services including not having insurance request and receive medical records for review, it can make finding the right therapist much easier, and many times plan deductible is so high, that the client must pay the full session fee out of pocket anyway before their deductible is met. When a client uses Out-Of-Network services, they pay for the session out of pocket and get a Superbill from the provider. The client then submits the Superbill to their insurance company for reimbursement. Reimbursement rates can be up to 80%. Please call the member services number on the back of your card for details on reimbursement using an out-of-network mental health provider. We accept all major credit cards for payment. All payments are due at the time of service.

Client is responsible for unpaid insurance claims by the insurance company.

There are several reasons why someone might choose self-pay over using health insurance for mental health therapy:

  1. Confidentiality: Using insurance can mean that information about the individual's therapy sessions and mental health diagnosis is documented and may become part of their permanent medical record. Self-pay allows individuals to maintain more control over their health information. Often times insurance companies request medical records without the client being aware. When using health insurance for payments, you lose control over the release of your information to that insurance company.

  2. Provider availability: Some therapists do not accept insurance, so self-pay may be the only option for individuals who wish to see these providers.

  3. Treatment flexibility: Insurance companies often dictate the type and frequency of therapy that is covered, and may limit the number of sessions. Self-pay allows individuals to choose the type of therapy and number of sessions that they feel are necessary.

  4. Cost: In some cases, self-pay may be less expensive than using insurance, particularly if the individual's insurance plan has a high deductible or if they are responsible for a significant portion of the cost of each therapy session. (please ask for a referral to a lower fee-per-session therapist)

Ultimately, the choice between self-pay and using insurance depends on the individual's specific needs and financial situation. It's important to weigh the pros and cons of each option and to seek the advice of a mental health professional or financial advisor if needed.