If you choose not to use insurance, or we are not credentialed with your insurance, you can choose to private pay for sessions. Some of our therapists provide a sliding scale fee, but you would have to negotiate that directly with the clinician. The following are our standard rates for services:

Rates for Licensed Therapist

• Single session up to 60 minutes $220
• Single session up to 90 minutes $300

Rates for Associate Therapist

• Single session up to 60 minutes $200
• Single session up to 90 minutes $250

Payments accepted:

• Check
• Credit cards
• HSA

Clinicians in our group have been paneled for the following insurance companies. If you are a member of these insurances, please contact us about scheduling an appointment.

• Aetna
• CalOptima
• CenCal in Santa Barbara and San Luis Obispo Counties
• Gold Coast (Carelon) Medi-Cal in Ventura County
• Fee-for-Service Medi-Cal (universal Medi-Cal)
• United Healthcare

If you have another insurance, you would have to private pay for sessions, and we are happy to provide a Superbill so you can get reimbursed using out-of-network benefits. You would need to verify with your insurance that you have these benefits.

If you choose to use insurance, you will need to verify benefits with your insurance to understand what your co-pay will be per session and if you need to meet a deductible before insurance will start paying for sessions. If you have a deductible, you will have to pay full cost of sessions until the deductible is met.

You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost. Under the law, healthcare providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.

You can ask your healthcare provider and any other provider you choose for a Good Faith Estimate before you schedule a 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 or call (800) 985-3059.

We have made an effort to be in-network with as many insurance companies as possible.

Not every insurance company credentials small practices.
This is the most common reason we are not credentialed with more insurance companies. Some insurance companies limit credentialing to larger group practices or have requirements that make it difficult for small, independent practices to participate in their networks. We have applied to several, including Anthem and Blue Shield, which have not accepted our application for this reason.

The reality of insurance reimbursement
Insurance companies often reimburse therapists significantly less than their billed fees. We believe clinicians should be fairly compensated for their education, training, experience, and the work they do. Fair compensation also allows us to attract and retain skilled therapists and maintain a practice where clinicians have the time and energy to provide thoughtful care. We have not applied to insurers who pay less than 40% of our fee because we cannot sustain our practice at this rate.

A superbill is a detailed receipt with the information your insurance company needs to process an out-of-network claim, including session dates, billing codes, diagnosis codes, and provider credentials.

If your plan includes out-of-network benefits, your insurance company will process the claim and, after any applicable deductible or cost-sharing requirements are met, reimburse you directly.

If you choose to submit a superbill, you can ask your insurance the following questions to see if they cover out-of-network claims:

• How much does my plan reimburse for an out-of-network provider?
• What is the coverage amount per therapy session?
• How will I be reimbursed: direct deposit, check, or credit to my account?
• Do I need pre-approval from my primary care physician before starting therapy?
• What is my out-of-network deductible, and where can I track if it has been met?
• Are there any restrictions to coverage based on type of therapy or practitioner credentials?
• Are there session limits?

Large online therapy platforms may seem convenient, but there are important differences between a technology company connecting you with a therapist and an independent healthcare practice.

Your privacy matters.Therapy practices are subject to strict privacy requirements, while technology platforms are not subject to the same data privacy requirements. Some of these companies have faced scrutiny over sharing client information with third parties.

We also believe in protecting our clinicians. These platforms have faced legal challenges for misclassifying therapists as independent contractors instead of W-2 employees. This goes against California law.

We chose to build an independent practice because we believe relationships matter; between you and your therapist, and between our practice and the clinicians who work here.

Clients who do not show up for a scheduled therapy appointment and do not notify us at least 24 business hours in advance will be required to pay a no-show fee. If a client has more than 2 no-show sessions, they may be referred to another therapist.

If you are using insurance to pay for your session, insurance cannot be billed for missed sessions, so you are responsible for paying the no-show fee.