Standard Rates

Psychotherapy can be expensive, but it’s an investment in your future and healing. While the duration of treatment is tailored to each individual, therapy is, and should be, a time-limited experience, focused on building skills that can help you manage your life skillfully.

Insurance

We are out-of-network providers. This means you pay the full fee to us and we will provide a billing statement (called a superbill) that you can send to your insurance company for reimbursement. Reimbursement depends on your insurance plan and level of coverage.

We encourage you to call your insurance plan and ask the following questions:

1. What are my “out-of-network mental health benefits”?
2. What is the rate/percentage for reimbursement?
3. Do I need to meet a deductible first?
4. How/Where do I submit the superbill to start the reimbursement process?

Why We Don’t Accept Insurance

We know this is a real financial decision, and we don’t take it lightly. Here’s why we’ve chosen to stay out-of-network:

Insurance companies decide the treatment plan, not you and your therapist

When a session is billed to insurance, the insurance company gets a say in how many sessions you’re allowed, how long they can be, and which therapy approaches are considered “necessary.” That means your care can be cut short right when you’re finally making progress, or you may be denied deeper approaches like EMDR because they don’t fit a standard billing code.

We believe you and your therapist are the ones best equipped to decide what your healing requires, not a claims adjuster who has never met you.

A diagnosis becomes a requirement, not just a tool

To get insurance to pay, your therapist must assign you a formal mental health diagnosis, even if what you’re navigating is a life transition, a marriage that needs strengthening, or grief that doesn’t fit neatly into a diagnostic code.

That diagnosis becomes a permanent part of your medical record. It can follow you into future insurance applications, life insurance underwriting, and security clearance or background check processes for certain careers, including military service, law enforcement, and commercial pilots.

We’d rather help you address what’s actually happening in your life than attach a label because the system requires one.

Couples counseling often isn’t covered at all

Insurance requires a diagnosable mental health condition to approve and pay for therapy. A couple wanting to strengthen communication, rebuild trust, or navigate a life transition together doesn’t meet that bar, since there isn’t an individual diagnosis to bill against.

Many couples are surprised to learn their insurance won’t cover this kind of care, no matter how much they need it. Staying private pay means we can support your relationship without needing a diagnosis to justify the work.

Your privacy stays yours

Insurance companies can request detailed clinical notes, treatment plans, and session summaries to justify continued coverage. That means details from your most vulnerable conversations can end up in a file outside our office.

Staying out-of-network means what you share stays between you and your therapist.

We can support the whole person, including your values and beliefs

Because we’re not bound by insurance-approved treatment codes, we have the freedom to integrate what matters most to you in your care, without needing to justify it to a third party.

That said, we make this as manageable as possible. We provide a superbill after every session so you can pursue out-of-network reimbursement through your plan, and we accept FSA/HSA cards. If cost is a concern, we’re happy to talk through options, including working with one of our pre-licensed or intern therapists at a reduced rate.