Life Change
Therapy Now, LLC
Fees & Insurance
We’re committed to cost transparency and helping you understand your payment options. Whether you’re using insurance or paying out of pocket, this page outlines what you need to know to make informed decisions about your care.
Accepted Insurance Plans
We are in-network with the following insurance companies:
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Blue Cross Blue Shield
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CareFirst
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Cigna
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United Healthcare
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Aetna
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Select therapists accept Medicare and Magellan
Note: Some of our therapists may still be considered out-of-network while their credentialing is in process.
Interested in seeing which of our licensed therapists are currently in-network with your plan?
Payment Policies
Our Commitment to Transparency
We know the financial side of therapy can be confusing, so we strive to make costs and payment policies clear from the start. Before your first appointment, we will provide a summary of your expected costs for services.
General Payment Policy
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Payment (or your estimated out-of-pocket amount if using insurance) is due at the time of service and will be automatically charged to the card on file.
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Most insurance plans require clients to pay co-pays, co-insurance, or deductibles.
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If we cannot process a payment, we will contact you to resolve the issue. After multiple attempts, unpaid balances may result in future sessions being postponed.
Credit Card on File Policy
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All clients are required to maintain an active credit or debit card on file in our secure, HIPAA-compliant patient portal.
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HSA/FSA cards may be added as the primary payment method; however, a standard credit or debit card is still required as a backup to cover:
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Charges not eligible under the HSA/FSA plan (e.g., late cancellation fees)
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Balances that cannot be billed once HSA/FSA funds are exhausted
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Clients who do not maintain a valid form of payment on file are not eligible for continued services and may lose their recurring appointment time.
Accepted Payment Methods
We accept the following forms of payment:
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Visa
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MasterCard
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Discover
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American Express
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Debit Cards
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HSA/FSA Cards
Note: We do not accept cash.
Insurance & Billing Policies
We understand that navigating insurance and therapy costs can feel overwhelming. Our goal is to make the process as clear and simple as possible.
In-Network Coverage
Understanding Your Benefits
If we are in-network with your insurance plan, we will:
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Verify your benefits before your first session.
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Send you a summary of your estimated out-of-pocket costs, including co-pays, deductibles, and co-insurance amounts.
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⚠️Important: The information we receive from insurance companies is often incomplete or outdated. Please confirm your benefits directly with your insurance provider.
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💡 Tip: See our tips on Questions to Ask Your Health Insurance
Your Responsibilities
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Notify us immediately of any insurance changes (to avoid denied claims and unexpected costs).
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Inform us if you have secondary insurance. Failure to do so can result in being billed the full session fee.
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Be aware of your coverage limits, plan changes, and termination dates.
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If your insurance denies a claim for any reason, you are responsible for the full session fee.
Opting Out of Insurance
If we accept your insurance but you prefer to pay privately:
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You may sign an Opt-Out Agreement and pay the full session fee.
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You can change your mind at any time by signing a Revocation Form to resume using insurance.
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We cannot submit claims or provide superbills for any sessions that occurred while you were opted out.
Out-of-Network Benefits & Superbills
If we are not in-network with your insurance plan:
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If we are not in-network with your insurance plan:
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You will pay the full session fee at the time of service.
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Some insurance plans offer out-of-network (OON) benefits, which may reimburse you for a portion of the cost.
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Reimbursement rates vary widely, and not all plans offer OON benefits. Please confirm your plan’s policies directly with your insurance company.
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Upon request, we can provide you with a superbill (a detailed receipt) to submit to your insurance company for possible reimbursement.
💡 Tip: If you have out-of-network benefits, see our Questions to Ask Your Health Insurance
Insurance & Billing for Intern Therapists
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Our Graduate Student Intern Therapists are not in-network with any insurance plans.
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We are unable to bill insurance or provide superbills for sessions with interns.
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Clients working with interns pay a reduced private-pay rate for services.
👉 Click here to view our Reduced Rate fee schedule
Private Pay Fee & Reduced Rate Options
Standard Rates for Licensed Therapists:
We offer private pay sessions for clients who are uninsured or prefer not to use insurance.
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Initial Session: $175
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Individual Therapy, 60 mins: $150
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Individual Therapy, 45 mins: $120
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Individual Therapy, 30 mins: $80
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Family/Couples Therapy: $150
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Group Therapy: $60
Reduced Rates with Graduate Student Intern Therapists:
We also offer a reduced private pay rate with our graduate intern therapists:
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Initial Session: $70
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Individual Therapy, 60 mins: $60
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Individual Therapy, 45 mins: $50
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Individual Therapy, 30 mins: $35
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Family/Couples Therapy: $55
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Group Therapy: $15
Our interns are advanced graduate students receiving weekly supervision by board approved licensed therapists. They are trained to work with individuals, couples, and families.
👉Learn more about this program here.