Fees and Insurance

An Investment in Your Well-Being

Therapy is an investment—not just of your financial resources, but of your energy, time, and courage.

Deciding to step out of survival mode and build a sustainable life is a meaningful commitment, and transparency about fees, insurance, and policies is an important part of making you feel secure before we begin.

Session Fees & Investment

  • 15-Minute Consultation: FREE

  • Initial Intake Session (53–55 minutes): $175 — Our first meeting together, where we review your history, clarify what brings you in, and map out a supportive path forward.

  • Standard Individual Therapy Session (53–55 minutes): $150 — Ongoing weekly or bi-weekly virtual sessions tailored to your goals.

NOTE: Weathered Grace Therapy operates primarily as a private pay practice, and all listed rates reflect standard self-pay fees. If you plan to use out-of-network benefits, your actual per-session cost will depend on your insurance provider's specific co-pay or reimbursement structure. Click here for more information on this and how to use your OON benefits.

Insurance & In-Network Coverage

Weathered Grace Therapy operates primarily as a private pay practice, with standard self-pay rates listed below. However, I am able to accept insurance through a few different pathways:

Direct In-Network: I am an in-network provider with the following insurances. If you carry these plans, we will process your claims directly.

  • Aetna

  • Highmark

  • United Healthcare / Optum

Out-of-Network Benefits & Thrizer

If Weathered Grace Therapy is out-of-network with your insurance plan, you can still utilize your out-of-network (OON) benefits to help cover the cost of care.

To make this as seamless as possible, I utilize Thrizer. This platform streamlines the entire reimbursement process and allows you to pay only your true out-of-network copay upfront, rather than waiting weeks for reimbursement checks to arrive in the mail. If you prefer the traditional route, I can also provide weekly or monthly SuperBills upon request for you to submit directly to your provider.

A quick tip: Whether you are using in-network or out-of-network benefits, I always recommend calling the customer service number on the back of your insurance card before our first session. Ask them to verify your specific outpatient mental health benefits, your current deductible status, any copay or coinsurance requirements, and the exact email address or portal where SuperBills should be submitted (if OON benefits are bing used). Click below to begin using Thrizer.

THRIZER

Choosing Self-Pay

Why Some Clients Opt Out of Insurance

While utilizing insurance can help offset the cost of care, many clients deliberately choose to pay out-of-pocket (self-pay) for therapy. Opting out of insurance offers several distinct benefits:

  • Total Privacy & Confidentiality: Insurance companies require a mental health diagnosis and often request access to your treatment notes, clinical details, or treatment plans to authorize care. Self-pay ensures your health records remain entirely between you and your therapist.

  • Protection from Managed Care Restrictions: Insurance companies frequently dictate how many sessions you are allowed to have, what kind of treatment is "medically necessary," or whether your progress meets their corporate standards. Self-pay puts total control of your care back into your hands.

  • Autonomy Over Your Treatment: Without insurance constraints, we can focus entirely on what you actually need—pacing your therapy, exploring deeper somatic or values-led work, and addressing personal growth without worrying about an insurance reviewer cutting off coverage.

    • Note on Documentation: Choosing to bypass insurance means you will be asked to sign an Opt-Out of Insurance Policy acknowledging that your care will not be billed to an insurance provider.

Good Faith Estimate (GFE)

Under the federal No Surprises Act, if you are uninsured or choose not to use insurance for your therapy services, you have the right to receive a Good Faith Estimate explaining how much your medical and mental health care will cost.

Here is what you need to know:

  • The Estimate: You have the right to receive a written Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including your initial consultation and ongoing individual therapy sessions.

  • When It’s Provided: I will provide you with a Good Faith Estimate in writing upon scheduling, or anytime you request one.

  • The $400 Rule: If you receive a bill that is at least $400 more than your expected Good Faith Estimate, you have the right to dispute the bill through the federal Patient-Provider Dispute Resolution process.

  • Not a Contract: Please note that the Good Faith Estimate is not a contract and does not obligate you to start or continue therapy sessions.

Make sure to save a copy or picture of your Good Faith Estimate for your records. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-985-3059.

Have Questions About Your Options?

Navigating insurance and investment can bring up a lot of logistical friction. If you have questions about your specific plan, rates, or how out-of-network benefits work, let's talk about it during your complimentary consultation!

Book your FREE 15-minute consultation!

FREQUENTLY ASKED QUESTIONS

  • Yes, I reserve a limited number of reduced-fee/sliding-scale slots in my practice for clients experiencing financial need. These spots are offered on a case-by-case basis depending on current availability. If you require a reduced fee to make therapy accessible, please mention this during our initial consultation so we can discuss what is currently open.

  • If Weathered Grace Therapy is out-of-network with your specific insurance provider, you still have great options. You can utilize your out-of-network benefits by requesting a superbill from me to submit to your insurance for potential reimbursement, or we can use Thrizer to streamline that process and reduce your upfront out-of-pocket costs. Additionally, we can discuss whether any of my limited sliding-scale spots are available.

  • Under federal law (the No Surprises Act), healthcare providers need to give clients who are paying out-of-pocket or not using insurance an estimate of expected billable charges. If you are a self-pay client or choosing not to run your sessions through insurance, you will receive a formal Good Faith Estimate outlining the clear, anticipated costs of your ongoing care before your first official session begins so there are never any financial surprises.

  • Confidentiality is one of the most sacred parts of the therapeutic relationship. If you choose to use in-network insurance, insurance companies typically require a formal mental health diagnosis and may occasionally audit treatment notes or care plans to authorize coverage. If complete privacy and confidentiality are a priority for you, choosing the self-pay option ensures that your clinical records, notes, and personal history remain entirely between you and your therapist.