RATES & INSURANCE

Therapy Rates and Insurance

No surprises. Here's what therapy costs and how to pay for it.

Free 15-minute consultation · In-network with most major insurance plans · Superbills available · HSA/FSA accepted

Money is one of the biggest reasons people put off therapy, and it's hard to plan for something when nobody will tell you the numbers. So here they are.

You can use your insurance, pay out of pocket, or ask about our sliding scale. If you're not sure which makes sense for you, we'll help you figure it out on your free consult.

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Using your insurance

We're in-network with most major insurance plans. Network status can vary by therapist, so we'll confirm yours before your first session.

What you'll usually owe:

Copay: if your plan has one, you pay it at each session.
Deductible: until it's met, you may owe the full session fee.
Coinsurance: if your plan uses it, you pay your percentage of the session fee.

We check your benefits ahead of time, but your insurance company makes the final call on what's covered. It's worth calling them too and asking about coverage for "outpatient mental health telehealth" services.

Self-pay rates

First session (intake): $200
Standard session (53 to 60 minutes): $150
Shorter session (38 to 52 minutes): $125
Couples session: $175

Sliding scale: Reduced rates of $70 to $100 per session are available at your therapist's discretion. Ask about it on your free consult.

Out-of-network: If we're not in your network, we can give you a superbill to submit to your insurance for possible reimbursement.

How to pay: We accept all major credit cards, plus HSA and FSA cards.

Looking for coaching or consulting? Leadership and organizational coaching isn't billed to insurance and is priced separately. Learn about coaching →

Your right to a Good Faith Estimate

You can ask us for a Good Faith Estimate before you schedule a service.

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 estimate.

For questions, call us at (618) 515-5890 or email contact@clscounselingandconsulting.com.

For more information about your right to a Good Faith Estimate or call 1-800-985-3059.

Under the No Surprises Act, if you don't have insurance or choose not to use it, you have the right to receive a Good Faith Estimate of what your care is expected to cost.

Services outside of sessions

Some things happen outside your scheduled session, like letters (including gender-affirming care letters), reports, or calls and meetings with other professionals at your request. These are billed at $150 per hour, prorated to the nearest quarter hour. Insurance doesn't cover them. Legal work, like subpoenas or court testimony, is billed the same way, including prep time.

Cancellations and missed sessions

Woman smiling at her phone while relaxing on a blue couch at home

Your appointment time is held just for you, so we ask for notice if you need to change it.

Most appointments: 24 hours' notice to cancel or reschedule.
High-demand times (before 9 AM, 3 PM or later, and weekends): 48 hours' notice.
Late cancellations and no-shows: $75. Insurance doesn't cover this fee.
Running late: your session still ends on time. More than 15 minutes late counts as a no-show.

Life happens. Emergencies are considered case by case.

Common Questions

Yes. The free 15-minute consultation or chat is always free, with no obligation to book anything afterward. It's a chance to ask questions, including about cost, and see if the fit feels right.
Your first session is a full intake. Your therapist gets to know your history, the people in your life, and what you want to change, then builds a plan with you. It takes more time and clinical work than a regular session, so it's billed differently.
Yes. We accept HSA and FSA cards, along with all major credit cards. Therapy is generally an eligible expense, but check with your plan administrator if you're unsure.

Yes. Reduced rates of $70 to $100 per session are available at each therapist's discretion, based on need and availability. Bring it up on your free consult and your therapist will talk it through with you.
You're responsible for charges your insurance doesn't pay, including denied or non-covered services. That's why we check your benefits up front and encourage you to call your plan too. If something on a bill looks off, reach out and we'll review it with you.
Yes. If your situation changes, you can switch between using insurance and paying out of pocket. Just let us know before your next session so billing is set up correctly.
It's a free 15-minute consultation or chat to see if it's a good fit, for you and for us. Ask anything you want about how we work, what sessions look like, or cost. No commitment, and if it feels right, you can schedule your first full session before you hang up.
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