Therapy is an Investment in Your Wellbeing

Therapy is an investment, and you deserve to know exactly what it costs before you start. Here’s the short version: the first call is free, sessions are $160 if you pay privately, and I’m in-network with several insurance plans in Colorado and Washington.

How much does therapy cost?

The free consultation is a phone call where you tell me what’s going on, I tell you how I’d approach it, and we decide whether we’re a good fit. No pressure, no pitch.

Sessions run a full hour. I usually start wrapping up around the 55-minute mark so you don’t leave mid-thought.

What if cost is a barrier?

Ask me. The standard rate may be negotiable under certain circumstances. It’s worth a conversation before you rule therapy out.

Do you take my insurance?

Plans and networks change, so the best way to know for sure is to ask me during your free consultation. I’m happy to check your benefits with you.

What if you’re not in network with my plan?

You may still be able to use out-of-network benefits. You pay me at the time of your session, and I give you the paperwork to submit to your insurance company for reimbursement. I can often help verify your out-of-network coverage, and some plans reimburse more than you’d expect.

Can I use my FSA or HSA?

Yes. You can use HSA and FSA cards to pay for sessions, whether or not you’re using insurance.

Questions to ask your insurance company.

• Does my plan cover outpatient mental health, including telehealth?
• Do I have a deductible? If so, how much have I met this year?
• Is there a limit on how many sessions I can have per year?
• Do I need a referral or pre-approval from my primary care doctor?
• If you’re out-of-network: what percentage do you reimburse for out-of-network therapy?

One honest note: even with good documentation, insurance reimbursement is never guaranteed. That’s the insurer’s call, not mine.

Payment, cancellations, and Good Faith Estimate

How does payment work?

Payment, including copays and coinsurance, is due at the time of each session. I accept all major credit cards, plus HSA and FSA cards. I’ll ask for a card when you book your first session and keep it securely on file.

What is your cancellation policy? 

Life happens. Please cancel at least 24 hours before your session. Late cancellations and no-shows are charged the full $160 session rate. Insurance doesn’t cover missed sessions, so this applies whether or not you’re using insurance. Real emergencies are handled case by case. FYI… Work is not an emergency.

Your right to a Good Faith Estimate

Under federal law, health care providers must give clients who don’t have insurance, or who choose not to use it, an estimate of their expected costs.

• You have the right to receive a Good Faith Estimate of the total expected cost of any non-emergency services, including psychotherapy.
• Make sure your provider gives you a Good Faith Estimate in writing at least 1 business day before your service. You can also ask me, or any provider, for one before you schedule.
• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
• Save a copy or picture of your Good Faith Estimate.

For questions or more information, visit www.cms.gov/nosurprises or call 1-800-985-3059.

• Colorado: Colorado Division of Insurance, (303) 894-7490 or (800) 930-3745
• Washington: Washington State Office of the Insurance Commissioner, (800) 562-6900

Still have questions?

Ask me. Seriously. Money questions are some of the most common ones I get, and there’s no such thing as a dumb one.