Fees & Insurance

Accepted Insurance Plans

We are in-network with the following insurance providers:

Blue Cross Blue Shield
CareFirst
Cigna
United Healthcare
Aetna

Select therapists accept Medicare and Magellan.

⚠️ Important: Therapist participation may vary. Some clinicians may be out-of-network while credentialing is in progress.

Want to see which licensed therapists are in-network with your plan?

👉 View In-Network Therapists

Payment Policies

Our Commitment to Transparency

We understand that the financial aspects of therapy can feel confusing. Our goal is to be clear and upfront about costs and payment expectations. Prior to your first appointment, we will provide a summary of your anticipated fees for services.

General Payment Policy

Payment is due at the time of service.

If you are using insurance, your estimated out-of-pocket cost (such as co-pays, co-insurance, or deductibles) will be automatically charged to the card on file.

Most insurance plans require client cost-sharing, including co-pays, co-insurance, and/or deductibles.

If a payment cannot be processed, we will reach out to resolve the issue. After multiple unsuccessful attempts, unpaid balances may result in future appointments being postponed or canceled.

Credit Card on File Policy

All clients are required to maintain an active credit or debit card on file in our secure, HIPAA-compliant patient portal.

HSA/FSA cards may be used as the primary payment method.

A standard credit or debit card is still required as a backup to cover:

Charges not eligible under HSA/FSA plans (such as late cancellation fees)

Balances that cannot be billed once HSA/FSA funds are exhausted

Clients who do not maintain a valid form of payment on file will not be able to continue services.

Accepted Payment Methods

We accept the following forms of payment:

Visa
MasterCard
Discover
American Express
Debit Cards
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:

Verify your benefits before your first session.

Send you a summary of your estimated out-of-pocket costs, including co-pays, deductibles, and co-insurance amounts.

⚠️Important: Insurance information can change or be inaccurate. We strongly encourage you to verify your benefits directly with your insurance provider to avoid unexpected charges.

💡 Tip: See our tips on Questions to Ask Your Health Insurance

Your Responsibilities

Notify us immediately of any insurance changes (to avoid denied claims and unexpected costs).

Inform us if you have secondary insurance. Failure to do so can result in claim denials and unexpected cost.

Be aware of your coverage limits, plan changes, and termination dates.

If your insurance denies a claim, you may be responsible for the uncovered amount.

Opting Out of Insurance

If we accept your insurance but you prefer to pay privately:

You may sign an Opt-Out Agreement and pay the full session fee.

You can change your mind at any time by signing a Revocation Form to resume using insurance.

We cannot submit claims or provide superbills for any sessions that occurred while you were opted out.

Out-of-Network Benefits & Superbills

If we do not accept your insurance, you will be responsible for the full session fee at the time of service.

Upon request, we can provide you with a superbill (a detailed receipt) for you to submit directly to your insurance company for possible reimbursement.

Some insurance plans offer out-of-network (OON) benefits, which may reimburse you for a portion of the cost.

Reimbursement rates vary widely, and not all plans offer OON benefits. Please confirm your plan’s policies directly with your insurance company.

💡 Tip: If you have out-of-network benefits, see our Questions to Ask Your Health Insurance

Insurance & Billing for Intern Therapists

Our Graduate Student Intern Therapists do not accept any insurance plans.

Please note that services provided by interns are not eligible for superbills.

Services provided by graduate student interns are offered at a reduced private-pay rate.

👉 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.

Initial Session: $175
Individual Therapy, 60 mins: $150
Individual Therapy, 45 mins: $120
Individual Therapy, 30 mins: $80
Family/Couples Therapy: $150
Group Therapy: $60

Reduced Rates with Graduate Student Intern Therapists:

We also offer a reduced private-pay rate for clients working with our graduate intern therapists.

Initial Session: $50
Individual Therapy, 60 mins: $50
Individual Therapy, 45 mins: $40
Individual Therapy, 30 mins: $30
Family/Couples Therapy: $40
Group Therapy: $15

Our Graduate Student Intern Therapists are in the final year of their master’s programs in counseling and complete their internships right here at our practice. They receive direct supervision from licensed therapists on our team who are also board-approved clinical supervisors, ensuring the highest quality of care.

👉Learn more about this program here.

Life Change Therapy Now, LLC

Life Change
Therapy Now, LLC