Insurance & Fees

Access to quality mental health care is an important need in our communities. Currently, I am an out-of-network provider, which means I offer services on a self-pay basis.

Seeing an out-of-network provider does not mean quality mental health care is out of reach for you. I invite you to explore my rates, the steps I am taking to increase access to quality mental health services, and what self-pay allows me to offer you.

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What Does “Out-of-Network” Mean?

Think of your insurance company like a club. Some therapists have a special agreement with that club, and they are known as “in-network” providers. Other therapists, like me, do not yet have that agreement, so we are “out-of-network.”

When you work with an out-of-network therapist, you pay them directly for services rather than having them bill your insurance company, but being out-of-network does not necessarily mean you cannot use your insurance benefits if you choose to. Depending on your insurance plan, you may be able to submit a superbill to your insurance and receive some reimbursement for your care through out-of-network benefits.

Whether you are in-network or out-of-network and are submitting a superbill, your insurance company and its rules determine the structure of your care through its reimbursement policies.

Insurance (In-Network & Superbills)

Private Pay

Who decides on what is medically necessary treatment?

Some plans require prior authorization before insurance agrees to pay for mental health treatment, so in those situations, the insurance company decides whether treatment meets its definition of medical necessity based on its coverage rules. 

As a private-pay client, you get to decide what you want to seek treatment for, regardless of whether others consider it"medically necessary." 

Who decides how much therapy you need and the length of your sessions?

Insurance plans determine which session length they reimburse (e.g., 45 min. vs. 53 min.) and limit how many sessions they cover each year by requiring therapists to prove that your treatment remains medically necessary.

As a private pay client, you have a say in the length of therapy sessions, given clinical appropriateness, and when it feels like a good time for you to discontinue therapy. Real life and your needs do not follow an insurance company's calendar or a billing code. 

Do I have to have a formal diagnosis in my chart?

When you use insurance, your care requires a formal diagnosis that meets your plan's coverage requirements. Treatment is then expected to relate to that diagnosis and its associated symptoms. 

In real life, DSM-5-TR does not recognize all types of trauma or human distress, and sometimes symptoms don't disappear simply because you have reached the point where a diagnostic framework would expect them to. As a private pay client, you do not have to meet diagnostic criteria to seek therapy.

What happens if I make progress but not ready to discontinue treatment?

Insurance plans require therapists to document your progress and demonstrate that continued treatment remains medically necessary. Sometimes, that means being discharged from treatment because you are doing better, even if you are still requiring support.

As a private-pay client, you can adjust your therapy structure when you are doing better (e.g., from weekly to monthly), rather than being automatically discharged from services and left stranded when life happens six months from now. It is very common for clients to want to stay in therapy for maintenance, personal growth, or navigating everyday life transitions/stresses that do not rise to medical necessity.

Fees

Fees reflect education, professional training, clinical expertise, and the quality of care I believe clients deserve, including the time, attention, and flexibility to support them as individuals.

Individual Therapy

Perfect for individuals (18+) who are working on themselves without the involvement of others (e.g., significant others, family) in therapy.

  • 50-minute Intake: $235
  • 50-minute Session: $200
  • 75-minute Session: $250
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    Couples Therapy

    Perfect for dating, engaged, married, or parenting couples looking to work on relationship needs together in therapy.

    • Prepare/Enrich Assessment: $35
    • 50-minute Intake: $235
    • 50-minute session: $200
    • 75-minute session: $250


    *Prepare/Enrich is not covered by insurance 

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      Family Therapy

      Perfect for parent(s) and their child(ren) looking to work together as a family unit to improve their relationship.

      COMING SOON

      Out-of-Network. Still Within Reach.

      I believe you should not have to choose between cost and high-quality mental health care. Whether through out-of-network benefits, HSA/FSA, a sliding scale, or referrals to trusted providers with lower fees, I will work with you to find a path to care that fits your needs and circumstances.

      Superbills

      Superbills are itemized receipts that you can submit to your insurance company to claim out-of-network benefits. Superbills will include the following information:

      • Therapist's name, credentials, NPI number, and tax ID
      • Client's name and date of birth
      • Date of service
      • CPT Code
      • Diagnosis Code
      • Amount paid by the client

      HSA/FSA

      I accept Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You could use these accounts to potentially save money on your care by:

      • If your regular health insurance plan includes out-of-network benefits, you can submit my monthly itemized receipt (a"superbill) to them. They may mail you a partial reimbursement check. You can then use your HSA or FSA to pay the amount your insurance did not cover. 

      Sliding Scale

      A sliding scale is a reduced session rate based on individual financial circumstances, helping make therapy more accessible while maintaining sustainable care. I offer three sliding scale tiers per 50-minute therapy session, with 2 slots available per tier:

      • Tier 1: $180
      • Tier 2: $160 
      • Tier 3: $140

      If you believe that a sliding scale rate would make therapy more accessible for you, please let me know. 

      Referrals

      I am also happy to refer you to other community providers or to providers through Open Path Psychotherapy Collective (a non-profit organization), which connects individuals, couples, and families with licensed therapists or student interns who offer therapy at discounted rates.

      • Individual therapy: $40-70 per session
      • Couples/family therapy: $40-80 per session
      • Student Interns: $30 per session

      Many people are unaware they have out-of-network benefits. Before starting therapy, call your insurance and ask, “What are my out-of-network benefits for outpatient psychotherapy?” or use the instant benefit checker through Thrizer to see your benefits and deductibles.

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      What Private Pay Makes Possible

      Choosing to be an out-of-network, private-pay client does not mean paying more out of pocket for the same care you could get through insurance. It means investing in a therapy experience designed around you, not an insurance company's requirements.

      Having been to therapy myself, I know firsthand how important it is to have access to high-quality mental health care that is flexible, attentive, and responsive to real life. That is why private-pay rates allow me to intentionally build my practice around presence, flexibility, and individualized care that truly meets you where you are.

      Protected Time

      I intentionally keep my caseload small and leave space between appointments so your session is not routinely rushed, delayed, or canceled because of what happened in the appointment before yours. I take time to prepare, remember where we left off, and arrive mentally present for the work we are doing together. When you set aside time for therapy, I want you to know that I have set aside that time for you, too.

      Life Outside of Therapy Matters

      Therapy is part of your life, not your whole life. When work, family, travel, or unexpected responsibilities arise, you should not have to choose between taking care of your life and maintaining access to care. Because I intentionally keep my caseload small, I can offer more scheduling flexibility that fits your life. Getting the support you need should not become another source of stress.

      Room to Come Back

      Therapy may end because you have reached your goals, not because you will never need support again. I intentionally keep availability open for former clients who may need support when life changes, whether after a loss, a relationship change, or an unexpected transition. When appropriate, you can return to a therapist who already knows you rather than starting from scratch. After all, life doesn't move in a straight line.

      Ready for therapy that fits your life and not the other way around?

      Schedule Your Appointment

      Whether you choose private pay, a sliding scale rate, or use your out-of-network benefits, the structure of your care may differ, but my commitment to you will always remain the same.

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