Fees & Insurance
Transparent pricing for private pay and insurance. Choose the option that fits your needs and budget.
Why Some Clients Choose Private Pay
Greater privacy and discretion — Your therapy remains completely confidential with no insurance records or third-party involvement
More flexibility in session focus and frequency — Work at the pace that feels right for you, not what insurance dictates
No surprises from deductibles or denied claims — Know exactly what you'll pay upfront, every session
Ability to work at your own pace — Continue therapy as long as it's helpful, without arbitrary session limits
What to Know About Insurance
I submit claims on your behalf
You are responsible for copays, deductibles, and any non-covered amounts
Coverage is determined by your plan, not the provider
Verify your benefits before starting — Session limits and requirements vary by plan
Which Option is Right for You?
Consider these factors when choosing your payment method
Privacy is a priority → Choose private pay for complete confidentiality
Want to use benefits → Insurance can lower your out-of-pocket costs
Need flexibility → Private pay offers freedom from session limits
Still unsure? Book a free consultation to discuss your options
Common Questions
Can I switch from insurance to private pay later?
Yes, absolutely. Many clients start with insurance and later switch to private pay for greater flexibility and privacy. You can make this change at any time by letting me know at least one week before your next session.
Can I use my HSA or FSA?
Yes! Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can be used for therapy sessions. This is a great option for private pay clients who want to use pre-tax dollars while maintaining complete privacy.
What if I have a high deductible?
If you have a high deductible plan that hasn't been met, you may pay the full session rate out-of-pocket until your deductible is satisfied. In this case, private pay often becomes simpler—you pay a known flat rate ($150) without navigating insurance claims or uncertainty about coverage.
What is a superbill?
A superbill is a detailed receipt you can submit to your insurance company for out-of-network reimbursement. If you choose private pay but have out-of-network benefits, I can provide superbills upon request. Reimbursement amounts vary by plan—check with your insurance to understand your coverage.
Do you accept my insurance?
I'm in-network with several major insurance providers. Contact me with your insurance details and I'll verify your coverage and explain your benefits, including copay amounts and session limits.