Rates & Insurance

Standard Fees

Therapy is an investment in your well-being, relationships, and long-term health.
We want you to feel informed and supported as you make this choice.

Our standard 50-minute appointment fees are:

Kaitlyn, Emma, Misa, Corey, and Lisa: $185 for individuals, $195 for couples/relationships
Rosa: $195 for both individuals and couples/relationships
Justin: $195 for individuals, $215 for couples/relationships

Extended sessions (75-80 minutes) can be offered to couple/relationship clients on request.

 

Payment

All payments are handled through our secure client portal. We accept all major debit and credit cards, as well as HSA (Health Savings Account) and FSA (Flexible Spending Account) cards. Using HSA or FSA funds can significantly reduce your out-of-pocket costs, as therapy is typically an eligible expense. 

 

Why isn’t couples therapy covered by most insurances?

This is one of the most common questions we receive. The short answer is that most insurance companies do not consider relationship concerns, by themselves, to be a medically necessary health condition, even when those concerns are serious or painful.

Insurance will typically cover a session involving both partners only when all of the following are true:

• One partner is the identified patient and has a mental health diagnosis
• The primary purpose of treatment is addressing that individual’s diagnosed condition
• The other partner is participating to support the identified patient’s treatment

That is different from the kind of couples therapy we usually provide at Clarity. Our couples typically come to therapy to work on the relationship itself: communication, trust, conflict, physical intimacy, parenting, betrayal, or emotional connection. In this model, the relationship is the focus of treatment rather than one partner being treated as the patient.

There are billing codes that can accurately describe relationship distress. However, those codes do not make couples therapy medically necessary or require an insurance company to cover it. A superbill must also be issued under one individual’s name, which can incorrectly suggest that the sessions were medical treatment for that person rather than therapy focused on the couple’s relationship.

For that reason, Clarity does not provide insurance superbills for relationship-focused couples therapy. We have chosen not to structure or document ordinary couples therapy as an individual health insurance service. This allows our therapists to maintain a consistent, couple-centered treatment model without assigning one partner the role of patient solely for billing purposes.

Submitting couples therapy to insurance under a diagnosis that does not truly apply, or describing the treatment as focused on one person when it was actually focused on the relationship, can create ethical, clinical, and financial complications. An insurance company may also request records or seek repayment after reviewing a claim.

We also want clients to understand that when a diagnosis is submitted to insurance, it may become part of the identified patient’s health record. In some circumstances, mental health records may be considered when applying for life insurance, long-term care insurance, certain professional roles, military service, or other benefits.

Some clients ask whether they can use a receipt for couples therapy with a health savings account (HSA) or flexible spending account (FSA). We are happy to provide a simple receipt showing the dates of service and amounts paid. However, we do not add CPT or diagnosis codes to couples therapy receipts because we do not structure these sessions as medical treatment of one identified patient. HSA and FSA requirements vary, so you are welcome to check with your plan administrator to find out whether a basic receipt will be accepted.

We know this can be frustrating. We wish insurance plans offered more meaningful coverage for relationship care. Our session rates — $195 to $215 depending on therapist — reflect the advanced training required to provide high-quality couples therapy.

If you’d like help understanding your options, we’re always happy to talk things through.

 

Insurance for Individual Therapy:

We are an out-of-network provider, which means our therapists can provide monthly superbills (detailed invoices) that you can submit to your insurance for possible reimbursement. Many of our individual clients use this process. Coverage varies by plan, so we recommend contacting your insurance provider to learn about your out-of-network mental health benefits.

Because insurance involvement affects your care in ways people don’t always expect — such as requiring a mental health diagnosis (which can affect future eligibility for life insurance, long-term care insurance, military service, law enforcement, firefighting, pilot licenses, and other areas where mental health records may be reviewed) and reducing your privacy — we provide a short waiver that outlines some key considerations before you decide whether to use insurance for your care.

 

Good Faith Estimate

In accordance with the No Surprises Act, a Good Faith Estimate of costs is available when scheduling or anytime upon request.