Fees & Insurance

At Turning Toward Therapy, I believe that therapy is a meaningful investment in your relationship, wellbeing, and long-term vitality. I aim to be transparent about fees and help you make informed choices about your care.

Session Fees

  • Individual Intake or Therapy (55 minutes): $250

  • Couple Therapy (each session occurring as part of the couple therapy process; 50 minutes): $250

  • Extended Sessions (80 minutes): available as clinically indicated and/or requested (fee TBD)

Payment is due at the start of each session. I accept credit and debit cards through a secure online system. Individual therapy or couple therapy focused on a mental health issue, may be HSA/FSA eligible. Couple therapy, focused solely on the relationship, unfortunately, is not FSA eligible.

Important Note About Diagnosis & Insurance

In order to use insurance—whether in-network or out-of-network—your insurer requires that I assign an accurate primary mental health diagnosis and that the services I offer are appropriate to your diagnosis and meet medical necessity. This becomes part of your permanent health record.

Some clients prefer not to use insurance or are ineligible to use their insurance for this reason, particularly when seeking couple therapy for relationship distress, or individual therapy for life transitions, personal growth, or other issues that may not meet criteria for a formal DSM-5/ICD-10 diagnosis. If couple therapy is focused solely on relationship distress (e.g., Z63.0: Problems in relationship with spouse or partner), it likely will not be covered by Aetna or out-of-network insurance. I welcome your questions and will support you in making the choice that feels right for you.

Insurance

I am currently in-network with Aetna (via HelloAlma). If you are an Aetna member, Hello Alma will submit claims directly on your behalf. You are responsible for any applicable copays, coinsurance, or deductibles, as determined by your plan. You can double check your insurance eligibility here.

To support my aim of continuing to serve Veterans and Veteran couples in the community, my application with TriCare/TriWest/VA Community Care Network (VA CCN) is in-process. I am unable to accept TriCare/TriWest until the contracting process is completed. I will provide updates as they are available.

Out-of-Network Insurance (Non-Aetna Plans)

If you have a PPO plan from an insurer other than Aetna, you may be eligible for partial reimbursement for therapy sessions. I am considered an out-of-network provider, which means you pay the full session fee upfront, and I provide a monthly superbill (an itemized receipt) for you to submit to your insurance for potential reimbursement. Please let me know if you plan to request a reimbursement through your insurance (superbills are only provided upon request).

Many PPO plans reimburse between 50% to 80% of the session fee after your out-of-network deductible has been met, though the exact amount varies by plan.

To better understand your benefits, contact your insurance provider and ask:

  • Do I have out-of-network coverage for outpatient mental health services?

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

  • What is my coinsurance amount (i.e., percentage of the provider’s fee am I responsible for paying after my deductible)?

  • Is there a cap, or an “allowed amount,” that will be covered (e.g., insurance will only reimburse $100/session, no matter the cost of the session)?

  • Are there any limits on the number of sessions per year?

  • Is telehealth covered for out-of-network providers?

  • Do I need preauthorization or a referral from my primary care provider?

To ensure you're asking about the correct services, you can reference the following CPT (billing) codes:

  • Initial Individual Intake Session (50-60 minute session): 90791

  • Individual Therapy (55 -minute session): 90837

  • Couple Therapy (with or without client present, 50-minute session): 90847, 90846

Why Limited Insurance Participation?

I choose to work with a limited number of insurance plans so I can offer the highest quality of care without the constraints that often come with insurance-driven models.

This approach allows me to:

  • Spend more time and energy focused on you, not paperwork or billing systems

  • Protect your privacy and autonomy by keeping your health records between us

  • Make treatment decisions based on your needs, not insurance requirements or time limits

  • Provide more flexible, individualized care that can adapt as your needs evolve

  • Offer support for issues that may not meet insurance criteria, such as relationship concerns or personal growth

If you’re unsure whether using insurance is the best choice for you, I’m happy to talk through your options and support you in making an informed decision.

Cancellations & Rescheduling

I understand that life is complex and sometimes things come up unexpectedly. If you need to cancel or reschedule your appointment, please provide at least 24 hours’ notice whenever possible. This helps ensure that I can offer the time to someone else who may be waiting for care.

For late cancellations or missed appointments, the full session fee may apply. However, I recognize that emergencies and unavoidable situations happen—please don’t hesitate to reach out if something unexpected arises. I’ll always do my best to respond with flexibility and understanding.

Accessibility & Support

Therapy is a significant emotional and financial commitment. While I do not offer a sliding scale at this time, I’m happy to assist with referrals to trusted low-fee or in-network providers if that’s a better fit for your current needs.

Good Faith Estimate

Under the federal No Surprises Act, you have the right to receive a Good Faith Estimate (GFE) of the expected costs of therapy services if you are not using insurance or are paying out of pocket.

Because the GFE must be provided before a full assessment or treatment plan is developed, it will reflect the cost of a full year of weekly psychotherapy sessions. This does not mean your care will require 12 months—actual duration will vary based on your needs and goals.

You have the right to:

  • Receive a written Good Faith Estimate before your first session or upon request

  • Ask questions and explore options based on your budget and goals

  • Dispute a bill that is substantially higher than the estimated amount (more than $400 over the GFE)

The goal of this estimate is to support your informed decision-making and financial transparency in your care.

For more information, visit www.cms.gov/nosurprises.