Where Growth Begins and Resilience Lasts
Fees & Insurance Questions
Private Pay, Out-of-Network Care
No Direct Insurance Billing
We designed our practice to put your care, not insurance rules, at the center. That means we do not bill insurance directly. Instead, we operate as an out-of-network (OON), private-pay practice.
Why many clients prefer this model
Longer, deeper sessions. We can offer extended sessions (beyond the standard 45–50 minutes) and, when clinically useful, multiple sessions per week without caps or utilization reviews.
More privacy. Your therapy remains between you and your clinician. There’s no routine sharing of your information with insurance companies, no third-party audits of your progress notes, and fewer people accessing your data.
No “diagnosis-first” pressure. Insurance typically requires a mental-health diagnosis and “medical necessity” to authorize care. In private pay, we can work without labeling unless you choose to pursue reimbursement (see below). For many professionals, students, and public-facing clients, this added privacy matters.
No limits on the length of treatment. We collaborate with you on what’s helpful and how long to continue. Not what a plan authorizes.
Clinically led, not policy led. Your plan of care, pace, and goals are set by you and your therapist, not by billing codes and session quotas.
Fees & Access
Starting fee: $375 per session.
Sliding scale: We hold a limited number of sliding-scale spots for clients with financial need.
Pro bono: We maintain pro bono slots; these are currently managed by a waiting list.
Payment: Private pay at time of service. HSA/FSA cards are typically eligible for psychotherapy expenses.
If cost is a barrier, please reach out—we can discuss current sliding-scale openings or provide referrals aligned with your budget.
Using Out-of-Network Benefits (Reimbursement may offset costs)
While we don’t bill insurance, many clients receive partial reimbursement from their insurance company for OON behavioral-health services. Here’s how we help:
Superbill provided. We issue an itemized receipt (a “superbill”) with the information insurers typically require (date, fee, CPT code, diagnosis when needed for reimbursement).
Guidance on next steps. We’ll help you ask the right questions and submit claims so you can access any OON benefits your plan offers.
Important: Reimbursement varies by plan and is not guaranteed. It may depend on your deductible, co-insurance, and whether your plan covers OON telehealth or in-person care.
What to ask your insurer (quick script):
Do I have out-of-network mental health benefits?
What is my deductible and co-insurance after the deductible is met?
Are the following CPT codes covered out of network: 90791 (intake), 90834/90837 (individual therapy), 90847 (couples/family), 90839 (crisis)?
Are services covered in-person (POS 11) and via telehealth (POS 02/10)?
Do I need preauthorization? How do I submit a claim? What’s the typical reimbursement timeline?
A transparent note about diagnoses and privacy
If you do not submit to insurance, we can often work without assigning a diagnosis to your record.
If you do submit a superbill for reimbursement, most insurers require a diagnosis, which becomes part of your insurance file. We’ll discuss this with you so you can make an informed choice about privacy vs. reimbursement.
Regardless of payment method, we keep HIPAA-compliant clinical records and protect your confidentiality.
Additional benefits of private pay
Faster access to care. No waiting on authorizations or plan approvals.
Continuity with your chosen clinician. No forced provider switches due to plan changes.
Tailored formats. Flexibility for extended sessions, intensives, couples/family work, and multidisciplinary coordination when helpful.
Focus on wellness and prevention. We can support growth, resilience, and performance—not only symptom reduction labeled as “medically necessary.”
Common Questions
Do you ever bill insurance directly?
No. We’re private pay/OON and will provide superbills for you to submit.
Will my insurance reimburse me?
Many plans reimburse a percentage after you meet your OON deductible, but policies vary. We’ll help you navigate the process; reimbursement is not guaranteed.
Can I use HSA/FSA?
In most cases, yes—therapy is an eligible expense. Check your plan for specifics.
Can I be seen more than once a week or for longer sessions?
Yes. One benefit of private pay is the ability to schedule multiple weekly sessions or longer appointments when clinically useful.
If you’d like help checking your out-of-network benefits or want to discuss sliding-scale availability, please contact us. We’re happy to walk you through options and help you make a financially informed, privacy-protective choice that fits your goals.