Clear pricing, multiple ways to pay, and honest answers about what insurance does and doesn't cover.
Insurance
Many of our clinicians accept the following plans:
- Aetna
- Curative
- EHN / WebTPA
- Harbor Health
- Nomi Health
- Sana
Our scheduling coordinator will help you confirm provider availability. If we don't take your insurance, see rates without insurance or out of network below.
A note on Medicare
Our providers have officially opted out, so we can't bill Medicare for services. Clients with Medicare are responsible for the full session fee.
Why isn't my couples therapy covered by insurance?
Insurance only covers therapy when an individual is being treated for a diagnosed mental health condition. Couples therapy works differently as it focuses on the relationship, helping you reduce conflict and rebuild connection, rather than treating one partner.
Insurance covers
Treating a diagnosed mental health condition in one person.
Couples therapy is
Care for the relationship between two people.
Private-Pay Therapy
Rates without insurance
Exact rates appear on each therapist's profile. Choose the option that fits.
Individual Therapy
Standard 50-minute sessions with a licensed clinician. Rate varies by therapist experience and specialization.
Couples Therapy
Standard sessions are 50 minutes, but extended sessions are available upon request to help couples make progress more quickly.
Graduate Interns
Affordable counseling with supervised UT social work interns. Learn more →
Single Session Therapy
A walk-in–style appointment for one focused conversation, with no expectation to return.
Co-founder Counseling
Conflict resolution and partnership-health support for business co-founders. Private pay only.
Psychological Testing
Comprehensive testing tailored to your needs. Sliding scale and payment plans may be available. Learn more →
Weekend sessions are peak time and add $15/hour. Sliding scale and payment plans may be available.
Why people choose it
Four benefits of private pay
Paying directly often gives you more flexibility than billing through insurance.
No session limits
Your treatment plan is set by your needs — not by an insurance plan's annual cap.
More privacy
Your insurer isn't billed and doesn't receive details about your care.
No diagnosis required
You aren't required to receive a mental health diagnosis to begin therapy.
Possible tax benefit
Therapy may qualify as a medical expense for tax purposes — confirm with your CPA.
Session Packages
Pay over time with CareCredit
Buy a package of sessions in advance and finance the cost through CareCredit — 0% interest for six or twelve months, so you can commit to your care without a large upfront cost.
Session Package
Session Package
Session Package
6-month plan
0% interest — spread your package across six equal monthly payments.
12-month plan
0% interest — spread your package across twelve equal monthly payments.
Ready when you are.
Our scheduling coordinator can help you find the right therapist, confirm insurance, and book your first session.
Make an appointmentIf we're not in your network
Out of network
If we're not in your network, we provide a superbill — an itemized statement you can file with your insurer for possible reimbursement — or use Thrizer to file for a small per-claim fee. HSA cards make out-of-network even easier, since pre-tax dollars cover your deductible.
You can also request a single-case agreement from your insurer if you've had trouble finding an in-network specialist. We can't request it, but you can — and it usually feels comparable to in-network coverage from your side.
You're likely to get reimbursed when…
- Your plan includes OON benefits (most PPO plans reimburse 50–80% after the deductible).
- You've already met your out-of-network deductible.
- You have a specialized need — insurers may approve a single-case agreement.
- You submit superbills promptly with detailed CPT and diagnosis information.
Reimbursement is unlikely if…
- You have an HMO or EPO plan with no OON benefits.
- Your insurer's "allowable rate" is lower than the session fee.
- You're sensitive to paying upfront and waiting weeks for reimbursement.
A note on Medicaid
We're not enrolled with Medicaid. Medicaid patients are treated as private pay.
Out-of-network reimbursement
Filing with a superbill
A superbill is an itemized statement of your session charges that you submit to your insurance for possible reimbursement.
Being out of network means we aren't contracted with your insurer and don't bill them directly — often because insurance tries to limit the number of sessions you're provided, regardless of what you need. Reimbursement isn't guaranteed, but we're happy to provide a superbill on request. Many clients submit them monthly or quarterly.
You pay up front
You're responsible for the cost at the end of each session — your card on file is charged automatically.
You request it
Let your therapist know you'd like superbills and how often — monthly, quarterly, or another cadence.
How reimbursement math works
What you get back depends on your out-of-network coinsurance, what your insurer would cover in-network, and whether you've met your out-of-network deductible. Here's an example:
You pay
$150
per session, up front
Insurer allows
$100
eligible per 50-min session
Your coinsurance
40%
insurer covers the other 60%
You get back
$60
possible reimbursement per session
How do I know if my insurance will reimburse?
Before starting services, call your insurance provider and ask about your out-of-network benefits for mental health care. This will give you an idea of whether — and how much — they'll reimburse when you submit a superbill. The "Ask your insurer" questions above are a good script.
How long do I have to submit a superbill?
Time limits are set by your insurance provider. Ask them how long you have to submit after a service is rendered — it's one reason many clients file monthly or quarterly rather than letting superbills accumulate.
What if my request for reimbursement is denied?
Your explanation of benefits (EOB) must include the reason for denial — your insurer is required to explain it. Often they just need more information before considering reimbursement. Even if a claim is denied, you have the option to appeal.
Good to know
General info
Payment
Cash, check, Visa, Mastercard, Discover, and HSA cards. Card or cash preferred. All payments to Just Mind Counseling.
Cancellation
No-shows or cancellations under 24 hours are charged the full session fee, so we can serve as many people as possible.
Why is therapy expensive?
HuffPost's "Why Is Therapy So Expensive?" covers the economics behind session pricing.
No Surprises Act
Good Faith Estimate
If you're uninsured or paying out-of-pocket, you have the right to a written estimate of expected charges at least one business day before your service. If your final bill is $400 or more above the estimate, you can dispute it — so save a copy. Learn more at cms.gov/nosurprises.