Rates & Insurance Coverage

Below you’ll find information about session fees, insurance coverage, and what to expect if you’re using benefits or paying privately.

Use the sections below to open what’s most relevant to you.

  • Fee: $180.00 per 50-minute session

    Individual sessions are billed under CPT Code 90837 and are eligible for in-network insurance reimbursement if I am contracted with your plan.

    Each session includes the time we spend together, as well as the preparation and conceptualization work I do outside of session to support your care.

    Accepted Insurance Plans:

    • BCBS, Aetna, and UnitedHealthcare PPO Plans

    If I’m in-network with your plan, I’ll submit claims directly. If I’m out-of-network, I can provide a superbill for you to submit for possible reimbursement.

  • Fee: $200 per 50-minute session

    Couples and relationship therapy is a private-pay service.

    Unfortunately, insurance companies do not cover relational work unless it is part of an individual’s treatment plan. If couples/family therapy are reimbursed, it is done at a significantly lower rate than individual therapy — despite the greater time, training, and energy this work requires.

    Because of these limitations, couples/relationship therapy sessions are private pay only.

    I can provide a superbill after each session so that you can submit it to your insurance for possible out-of-network reimbursement. Reimbursement amounts vary depending on your plan.

    If cost is a barrier, I reserve a limited number of reduced-fee slots and can also offer referrals to trusted community-based providers who accept insurance.

  • I occasionally receive requests for letters, documentation, or consultation outside of session time.

    Examples include:

    • Collaboration with other providers (with client consent)

    • Preparation of treatment summaries or documentation

    • Letters for school, work, or gender-affirming care

    These services are billed at $50 per 15 minutes, prorated by time spent. All out-of-session work is discussed and consented to in advance.

  • If you’re planning to use your insurance benefits, here are some helpful questions to ask your provider before we begin:

    1. Do I have outpatient mental health benefits?

    2. What is my copay or coinsurance for an in-network provider?

    3. Do I have a deductible, and has it been met?

    4. What is my coverage for CPT code 90837 (individual therapy)?

    5. What is my coverage for CPT code 90847 (couples/family therapy)?

    6. Does my plan offer out-of-network benefits, and if so, what percentage is reimbursed?

    Having these details in advance helps you make informed decisions about your care and your budget.

  • Payment is due at the time of service.

    Accepted payment methods:

    • Credit/debit card

    • HSA/FSA cards

    A card is securely stored on file through my HIPAA-compliant client portal.

  • I believe therapy should be as accessible as possible. A limited number of reduced-fee sessions are available based on financial need and scheduling availability. Our practice complies with current Federal Regulations established to provide discounted rates for services, which include an application to denote financial hardship and need.

    Please reach out if cost is a concern — we can discuss what’s sustainable for you or explore referrals to community-based providers who align with your needs and values.

  • Under the No Surprises Act, clients who are uninsured or choose not to use insurance are entitled to receive a Good Faith Estimate (GFE) for the cost of services.

    The estimate outlines the expected charges for therapy services and helps you understand what to anticipate financially.

    You have the right to request a GFE at any time. I provide one automatically during the intake process for all private pay clients.

Note: Insurance companies determine coverage based on medical necessity for a single identified patient, and these rates are not reflective of the actual value, complexity, or training required for relational work. Couples/relationship therapy focuses on the interaction between partners rather than a diagnosable mental health condition for one person.

My goal is to balance financial transparency with sustainable and high-quality care. If you should have any questions about fees, coverage, or affordability, I welcome an open and honest conversation.