Rates & Insurance

What are your rates?

Our rates are $170 or $240 per 50-minute session, based on the therapist and whether individual or couple counseling. We base this on the length of time as a practicing therapist, extra training taken, and level of licensure.  For those reasons, it is important to consider therapy as an investment in your well-being and relationships. With better-trained therapists, you may find that therapy is more effective, allowing for a shorter overall treatment duration. 

Do you accept insurance? 

We do not currently accept insurance, as we find it limits our ability to provide the treatment we deem necessary. And in some cases forces us to create a diagnosis. Most insurance plans will reimburse out-of-network providers. And yet, we can provide a bill at the end of each month to submit to them. In fact, ‍If you have a PPO plan, you may be eligible to get 60-80% of each session reimbursed after you meet your deductible.

Let’s Talk About Insurance and Couples Therapy

Couples therapy is a little different than most healthcare services—and it often doesn’t fit neatly into the medical/insurance system. Many insurance plans specifically exclude couples or marriage counseling (even when they cover individual therapy). Because of that—and because of how insurance requires therapists to structure care—Relationship Therapy Center does not accept insurance for couples therapy sessions.

Here’s the “why,” in plain language:

1) Insurance is built for an individual “patient,” not a relationship.
Insurance companies generally require one person to be the “identified client.” In couples work, the relationship is the client. That mismatch creates significant complications.

2) “Medical necessity” rules don’t map well onto relationship problems.
Insurance typically requires a mental health diagnosis and treatment that meets its definition of medical necessity. Many couples are coming in for patterns like conflict, distance, help for sexual issues, trust injuries, or communication breakdown—not an individual disorder—and those concerns often don’t qualify under insurance guidelines.

3) It can pressure the therapist into diagnosing one partner—even when that’s not the real issue.
To bill insurance, a therapist may need to assign a diagnosis to one person to justify services. When the central concern is the relationship dynamic, that can feel inaccurate and raises ethical concerns. Our goal is to support both partners and the relationship without forcing a label that doesn’t fit.

4) Privacy can get messy when insurance is involved.
Using insurance typically means submitting documentation, diagnoses, and sometimes treatment details to a third party. Many couples prefer to keep sensitive relationship information out of an insurance record and maintain as much privacy as possible.

5) Records and access rights can become complicated.
Couples therapy usually involves one shared clinical record focused on the relationship. Insurance often recognizes only one person as the covered “patient,” which can create legal and confidentiality challenges around who has access to the record and what information must be released.

6) It allows us to tailor therapy to what actually works for couples.
At Relationship Therapy Center, we use specialized couples approaches (including evidence-based methods such as the Gottman Method) that focus on the relationship system—not just on one person’s symptoms. Staying outside the insurance model helps us keep treatment focused on what your relationship needs, rather than what a plan will—or won’t—authorize.

If you have out-of-network benefits, we can typically provide a superbill upon request so you can check whether your plan may reimburse a portion of your sessions. Some insurance plans actually reimburse for couples therapy, but many do not. 

What forms of payment do you accept?

Relationship Therapy Center accepts cash, check, credit card, and FSA/HSA for payment. In other words, Flexible Spending Accounts and Health Savings Accounts

What is your cancellation policy?

If you do not show up for your scheduled therapy appointment, and you have not notified us at least 24 hours in advance, you will be required to pay the full cost of the session.

GOOD FAITH ESTIMATE- Required Notice

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

The Good Faith Estimate should include the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees (not a part of psychotherapy).

Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises

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