Fees & insurance
No surprises. Here's exactly what therapy costs.
Deciding to start therapy is hard enough without a fog around the money. We're a boutique, out-of-network practice, and we believe you deserve clear numbers and a straight explanation of how payment works — before you ever book. Here it is.
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Our fees
Transparent, tiered fees.
We match you with the clinician who fits what you're facing, and our fees are tiered by each clinician's level of experience — so there's an option that fits both your needs and your budget. All individual sessions are 45-50 minutes.
Session · 45 min
Price
Free 15-minute consult
$0
Level I — Pre-Licensed Clinician
$150
Level II — Licensed Clinician
$275
Level III — Senior Clinician
$300
Founder & Clinical Director (Jennifer Byxbee)
$400
Couples / relationship therapy (55 minutes)
$300-$400
We'll confirm your exact fee on your consult, and you'll receive a written Good Faith Estimate before your first session.
Check your insuranceWhy out-of-network
A deliberate choice — for your care, not against your budget.
We've chosen to stay out-of-network on purpose, because it keeps your care in your hands and your clinician's — not an insurance company's.
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In-network care often means an insurer can limit how long you're seen
Require a formal mental-health diagnosis on your permanent record
Dictate the type of therapy, or cap your number of sessions
Out-of-network lets us give you senior clinicians, the time your work actually needs, and complete privacy. And many clients still use their out-of-network benefits to get a meaningful portion reimbursed —here's how that works.
Using your benefits
How reimbursement works, step by step.
If your plan includes out-of-network benefits, you can often get part of each session's cost back. The process is simpler than it sounds:
Step 01
You pay your session fee at the time of your appointment.
Step 02
We give you a superbill — an itemized receipt with everything your insurer needs (dates, codes, and our credentials).
Step 03
You submit it to your insurance company through their portal, app, or by mail — it takes a few minutes.
Step 04
Your insurer reviews it — usually about 2–4 weeks.
Step 05
You're reimbursed directly by your plan for their share.
An honest note:
Reimbursement depends entirely on your plan — many cover around 50–80% after the deductible, but some cover less or nothing, and it isn't guaranteed. We'll give you everything you need to submit; what your plan pays back is between you and them.
Your right to know
You'll always know the cost up front.
Under the federal No Surprises Act, anyone paying out of pocket has the right to a written Good Faith Estimate of expected charges. We provide one at scheduling — a clear, itemized estimate of what your care will cost — and we'll update it if your fee or session frequency ever changes.
You have the right to request one at any time. No hidden fees, ever.
The practical details
Payment & policies.
The everyday logistics, spelled out — how to pay, when payment is due, and what happens if you ever need to cancel.
Payment methods
We accept all major cards, and HSA/FSA cards are welcome for therapy.
When payment is due
At the time of each session.
Cancellations
We ask for at least 48 hours' notice to cancel or reschedule; late cancellations and missed sessions are charged the full fee, since that time was held for you.
FAQ
Common questions about fees & insurance.
Still unsure? Ask us anything on your free consult — including the money questions.
How much does a therapy session cost?
Do you take insurance?
How much will I actually get reimbursed?
What is a superbill?
Can I use my HSA or FSA?
Why don't you take insurance directly?
What's your most affordable option?