Payment & Insurance

How Do We Pay for Counseling?

We are a private pay counseling practice so fees are paid in full at the time of service. Payment is accepted in the form of cash, check, or credit card (Visa & MasterCard).

As a healthcare provider, we accept Health Savings Account (HSA) and Flexible Spending Account (FSA).

Depending on the clinician, our fee schedule is as follows:

  • Assessment Session – $197 – $235 
  • Standard Session – $165 – $197 

Do You Contract With Insurance Companies?

As of March 1, 2022 we will no longer have In Network contracts with any insurance companies.    Until that time, clients with BCBS PPO plans can utilize their (In Network Provider) insurance benefits at Thrive Couples Counseling.

We understand that many clients would like to be able to utilize their insurance benefits to offset the cost of their mental health care services.  To help you with that we have created a “Guide to Verifying Benefits” that can be used to get more information about the coverage you have for seeing Out of Network (OON) providers.  

After you have paid the session fee in full, we will submit a claim form to your insurance company, indicating that you saw an OON provider who has already received payment for the services provided.  If you have OON coverage, your insurance company will reimburse you for the portion of the session fee that they cover (this is often a percentage of the session fee).  Reimbursement will be sent directly to you. 

What About Reduced Rates?

We do offer a reduced rate based on family income and circumstances, which we will be happy to talk to you about when you give us a call.

You Have the Right to Receive a “Good Faith Estimate” Explaining How Much Your Medical Care will Cost

Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are now required to provide patients who, don’t have insurance or who are not using their insurance benefits, an estimate of the bill for medical items and services.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services.  This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

Your health care provider will deliver a GFE in writing at least one (1) business day before your medical service or item is provided.  Your healthcare provider, and any other provider you choose, can also be asked for a GFE before scheduling 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 (a copy will be stored in the client portal for you as well).

For questions or more information about your right to a Good Faith Estimate, go to or call 1-800-985-3059.