Consultation & Self-Pay Therapy Rates

50-minute initial intake: $140
50-minute session: $140
80-minute session: $220
*Because consultation is not considered a reimbursable service by insurance companies, these sessions are self-pay only

6-week group for one participant: $300
6-week group for two participants: $500 (You can sign up with a co-parent, another family member or a friend!)

Insurance for Therapy Services

I am an in-network provider with Blue Cross Blue Shield of Massachusetts.  If you have insurance through BCBS, I will bill them directly for any therapy services provided.   Generally, you will be responsible for paying only your applicable co-pay, co-insurance, and/or deductible during each office visit.  In the event that relevant services or diagnoses are not covered, you will be responsible for full payment of fees.

If you have a different insurance carrier, that carrier may still provide coverage for out-of-network therapy services.  It is your responsibility to verify this coverage with your insurance company, pay me directly for services, and then seek reimbursement from the insurance company.  I am happy to provide regular invoices that include my licensure information, diagnostic codes and procedure codes relating to your treatment, which you then use to seek reimbursement. 

When consulting with your insurance company to determine out-of-network coverage, the following questions may be helpful to ask:

  • Do I have mental health insurance benefits?

  • What, specifically, is my out-of-network coverage for mental health services?

  • What is my deductible and has it been met?

  • How many sessions per year does my plan cover?

  • What amount will be covered per session?

  • Do I need approval from my primary care physician?

* Consultation services are not reimbursable by insurance plans.

What are the Reasons to Self-Pay for Therapy Instead of Using Insurance Benefits?

Because insurance companies only cover care that is "medically necessary," i.e. that which has a recognized mental health diagnosis attached, insurance does not cover the full range of concerns people bring to counseling. People seek counseling for many reasons, ranging from diagnosable depression or anxiety to concerns with identity (spirituality, LGBT issues, self-acceptance) or phase of life concerns (transition to a new job or relationship, parenting, occupation).

Many clients choose not to use insurance to defer the cost of counseling because they do not want their counseling to be limited by diagnoses, treatment plans, type of therapy, or session limits as dictated by insurance companies. Many clients are also concerned about privacy. In order to obtain reimbursement, the insurance company has to know personal information about you and can review your records at their discretion. Mental health diagnoses, once submitted, become a part of your permanent health care record, and could potentially lead to limitations later on, such as denial for quality life insurance or health insurance. You are encouraged to contact your insurance company if you have any questions about what records they may or may not request and what implications they may have for your future health care needs.