Clear fees, no surprises.

Beginning therapy is both a psychological and a financial commitment. It is also an investment in long-term stability, relational health and clarity. Financial transparency protects the therapeutic frame, so here is everything in one place: fees, reimbursement, and how to use your out-of-network benefits.

 

SESSION FEES

What sessions cost

 

Individual therapy · $225

Weekly, 50-minute sessions by secure video.

 

Psychoanalysis · $180 per session

Three sessions a week. The frequency is what lets the work deepen.

 

Couples therapy · $275

Weekly, 50-minute joint sessions.

 

Consultation & supervision · Fees on inquiry

For licensed and pre-licensed clinicians. Rates are shared during a free 15-minute call.

 

The first 15-minute consultation is always free.

 

WHY OUT-OF-NETWORK

Why this practice isn’t on insurance panels

 

Rule Out Therapy is an out-of-network practice. Panel reimbursement rates are typically far below private rates, which pushes therapists toward higher caseloads, shorter sessions and simplified treatment models. Panels can also require a diagnosis early in treatment and limit clinical flexibility.

 

Working outside of panels allows for:

• Depth-oriented work without session quotas

• Diagnostic nuance before labeling

• Greater confidentiality regarding diagnoses

• Less administrative burden, and a sustainable practice

 

You may still be reimbursed through your out-of-network benefits.

 

REIMBURSEMENT

How out-of-network reimbursement works

 

1. You pay the session fee

Payment is made at the time of service.

 

2. You receive a superbill

On request, I provide a superbill: a detailed receipt with the information your insurer needs.

 

3. You submit it to your insurer

Through your insurance portal (“Submit Out-of-Network Claim”) or by mail. It’s free to do yourself.

 

4. Your plan reimburses you

If your plan includes out-of-network mental health benefits, you are reimbursed directly for a percentage of the fee, depending on your deductible and coverage. This typically takes 2–6 weeks.

 

BEFORE YOU START

Calling your insurer

 

Call the member services number on the back of your card. You can say:

 

“I am seeking outpatient psychotherapy with an out-of-network licensed mental health provider. I would like to verify my out-of-network mental health benefits.”

 

Then ask:

• Do I have out-of-network mental health benefits?

• What is my out-of-network deductible, and how much has been met?

• After the deductible, what percentage is reimbursed?

• Is there a session limit, or is pre-authorization required?

• How do I submit a superbill, and how long does reimbursement take?

 

Write down the answers. If needed, ask to speak with someone in behavioral health benefits.

 

THE PAPERWORK

What is a superbill?

 

A superbill is not a second bill. It is a detailed receipt that includes:

• Provider name and license number

• Tax ID number

• CPT code: 90837 (individual therapy) or 90847 (couples therapy)

• Diagnosis code (required for insurance processing)

• Dates of service and amount paid

 

COUPLES

Couples therapy & insurance

 

Insurers reimburse for medically necessary treatment tied to an individual diagnosis. For couples therapy, one partner’s policy is used, and that partner becomes the “identified patient.” Choose the partner with the strongest out-of-network benefits, the lowest deductible and the highest reimbursement percentage.

 

When you call, you can say:

 

“My partner and I are seeking couples therapy. We understand that one individual must be the identified patient for reimbursement. What are my out-of-network benefits for CPT code 90847?”

 

Some plans do not reimburse couples therapy at all, so confirm before beginning if reimbursement matters to you.

 

OPTIONAL

Mentaya

 

Mentaya is a third-party service that can verify your benefits, submit claims for you, follow up on denials and track reimbursement. They charge a fee (currently 5% per claim). It can help if paperwork feels overwhelming or you’ve had claims denied, but submitting superbills yourself is free and usually manageable.

 

Check your eligibility with Mentaya →

 

CLARITY

A clear, sustainable arrangement

 

Out-of-network reimbursement varies widely, and you may receive partial rather than full reimbursement. Before we begin, I encourage you to verify your benefits, estimate your out-of-pocket cost, and bring any financial concerns to the consultation.

 

Therapy works best when the financial arrangement is clear and sustainable.