PAYMENT
Private Pay Rate
$150
Payment & Fees
Choosing therapy is a meaningful investment in your mental health. My goal is to be as transparent and straightforward as possible about fees, payment, and insurance so there are no surprises.
Whether you are exploring therapy for the first time or preparing for your first session, everything you need to know about payment is outlined below.
Session Fee
Individual Therapy
$150 per 55-minute session
Payment is due at the time of each session.
Your session fee reflects not only the time we spend together, but also clinical preparation, treatment planning, and specialized training in evidence-based approaches for anxiety, OCD, and related concerns.
How Payment Works
All payments are processed securely through SimplePractice, my HIPAA-compliant practice management system.
A valid credit or debit card is required to be kept on file
Your card will be charged automatically after each session
Payments are processed through Stripe, a secure payment platform
Accepted forms of payment include major credit cards and HSA/FSA cards.
Insurance & Out-of-Network Benefits
Ember & Oak Counseling is a private-pay, out-of-network practice. I do not bill insurance directly.
Many clients choose private pay for increased privacy, flexibility in treatment, and greater control over their care. If you have out-of-network benefits, your insurance plan may reimburse you for a portion of each session.
How Out-of-Network Reimbursement Typically Works
You pay for your session at the time of service
You submit a superbill to your insurance company, or use a reimbursement service
Your insurance may reimburse you directly, often between 50–80%, depending on your plan
Coverage varies by insurance provider and plan, so it is always best to confirm your benefits directly.
Using Mentaya for Reimbursement
To make reimbursement easier, I offer access to Mentaya, a service that helps clients:
Check out-of-network benefits
Submit claims directly to insurance
Track reimbursement status
Mentaya is optional, and you are welcome to submit superbills on your own if you prefer.
What Is a Superbill?
A superbill is a detailed receipt that includes the information insurance companies typically require for reimbursement.
Your superbill includes:
Provider information
Diagnosis codes
Session dates and fees
Service codes
Superbills are provided upon request and can be submitted directly to your insurance company.
Frequently Asked Questions
Do you accept insurance?
I do not accept insurance directly, but many clients receive partial reimbursement through out-of-network benefits.
Can I use HSA or FSA funds?
Yes. Most HSA and FSA cards can be used for therapy services.
Do you offer sliding scale or reduced-fee sessions?
Limited sliding scale availability may be offered based on financial need. Please contact me to inquire about current availability.
What if I have questions about payment or reimbursement?
I am happy to help clarify what I can and point you toward resources to check your benefits.
Getting Started
If you feel ready to begin therapy, you can schedule your first session online.
If you still have questions about fees, payment, or insurance reimbursement, please reach out and I will be glad to help. Be sure to click the Book now button at the top of the page for a free 15 minute consultation.