Rates and Insurance
Take a moment to review our session rates and out of network information, and let us guide you towards a positive therapeutic experience tailored to your preferences and well-being. We understand that navigating insurance coverage can be challenging, but as an out of network provider, we offer flexibility and personalized care that prioritizes your needs. Our rates are competitive and transparent, and we're committed to providing exceptional services that align with your goals.
$349
Intake 90min Couples Session
$289
Intake 75min Individual Session
$229
60 min Session Couples/Individual
Therapy That Honors Care, Access, and Sustainability
At On the Horizon Counseling, I offer a tiered rate structure that includes Reduced Equity Rates to support access to care while also sustaining the quality, training, consultation, and operational costs required to provide specialized therapy services.
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This structure is rooted in trust, community care, and the understanding that access to therapy is shaped by many factors, including income, caregiving responsibilities, medical costs, systemic inequities, debt, family support, and current life circumstances.
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Clients are invited to choose the tier that most honestly reflects their current financial reality and access to resources. You will not be asked to prove your income or justify your financial situation.
Equity Rate Structure
Reduced Equity Rates are available on a limited basis for clients who would experience financial strain at the standard rate.
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These rates are not charity. They are part of a community-centered model of care that recognizes that financial access is shaped by more than personal choice. Reduced Equity Rates are meant to support clients in receiving consistent care while honoring the real costs of sustaining a specialized therapy practice.
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Reduced Equity Rate availability may be limited and reviewed periodically to ensure the model remains sustainable.
1
Canopy Rate- $269 Pay it Forwrd
The Canopy Rate is for clients who have the financial capacity to pay above the standard rate. Choosing this tier helps create shade, protection, and support for others in the therapy community by helping subsidize reduced-fee spots.
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This tier may be a fit if you:
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Have stable or high income
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Can pay for therapy without financial strain
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Have access to savings, family support, investments, or other financial resources
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Have out-of-network benefits, employer reimbursement, HSA/FSA funds, or other support
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Want your therapy investment to help make care more accessible for others
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Choosing this tier is an act of community care.
2
Trunk Rate- $229 (Standard)
The Trunk Rate is the standard therapy fee. It reflects the cost of providing specialized, ethical, and sustainable care, including clinical training, consultation, documentation, administrative time, rent, continuing education, and the ongoing costs of running a therapy practice.
This tier may be a fit if you:
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Have stable income
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Can meet your basic needs consistently
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Can budget for therapy without reducing essential expenses
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May need to plan for therapy financially, but can sustain care at this rate
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Want to pay the standard fee that supports the ongoing health of the practice
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This rate helps keep the practice rooted and stable.
3
Rooted Support Rate- $179
The Rooted Support Rate is for clients who are able to contribute meaningfully toward therapy but would experience noticeable financial strain at the standard rate.
This tier may be a fit if you:
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Have stable or semi-stable income, but limited disposable income
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Are managing childcare costs, medical expenses, student loans, debt, caregiving expenses, or increased living costs
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Would need to space sessions farther apart at the standard rate
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Can meet basic needs, but therapy at the standard rate would create stress
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Need financial flexibility in order to attend therapy consistently
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This tier is designed to help keep care more accessible while still supporting practice sustainability.
4
Herd Care Rate-$99
The Herd Care Rate is a limited reduced-fee option for clients experiencing significant financial hardship. This tier is very limited and dependent on availability.
This tier may be a fit if you:
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Are unemployed, underemployed, or recently experienced income loss
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Are experiencing housing, food, medical, caregiving, or family-related financial instability
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Have limited or no access to savings or financial support
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Would not be able to begin or continue therapy without a significantly reduced rate
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Are in a temporary hardship season that impacts your ability to access care
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This rate reflects the belief that no one should have to carry everything alone.
Payment Information
Accepted Forms of Payment:
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Private Pay: Payment for services is due the day services are provided. We do require that a valid credit card be kept on file for all clients. Your credit card on file will be billed the morning of your scheduled session. We accept payment directly from clients. This includes cash, checks, or credit/debit cards. Payment is typically collected at the time of each session unless alternative arrangements have been made in advance.
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Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs): If you have an HSA or FSA through your employer, you may be able to use those funds to cover therapy expenses. Please check with your provider to determine eligibility and any necessary documentation.
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Reimbursable Mental Health Coverage: While I do not accept insurance, your insurance may allow for mental health services to be reimbursed to you. This means that you may be eligible for reimbursement from your insurance company for a portion or all of the therapy fees. It is essential to understand your insurance and what necessary thresholds, including any deductible, co-insurance, etc, that are necessary as well as what rate or percentage will they reimburse out of pocket mental health expenses.
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Cancellation Policy
If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand otherwise, you will be charged for the full rate of the session.
Insurance
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On the Horizon Counseling does not accept or process any insurance claims. It is the client's responsibility to verify their reimbursement coverage and understand the specifics of their insurance policy, including any limitations or exclusions that may apply to mental health services. I can provide you with a superbill or invoice that includes the necessary information to submit to your insurance company for potential reimbursement.
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We would recommend asking these questions to your insurance provider to help determine your out-of-network benefits:
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Does my health insurance plan include mental health benefits?
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Does my plan cover out-of-network services?
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Do I have a deductible? If so, what is it and have I met it yet?
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If I have a copay for therapy, how much is it?
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Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
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Do I need written approval from my primary care physician in order for services to be covered?
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A note about Couples Counseling: Most insurers do not cover or reimburse couples counseling at all, even out of network. These are some questions you should ask your insurer to find out if yours does provide coverage:
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Specifically ask, “Do you pay for diagnostic code Z63.0 – Problems in relationship with spouse or partner”
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If they do, ask them what procedure code it should be billed under. Make them look it up and give you a reference. Ask how many sessions they will cover. Have them provide that information to you in writing.
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Please note that reimbursement amounts and policies vary widely across insurance providers and individual plans. It is advisable to contact your insurance company directly to inquire about your reimbursable mental health benefits and reimbursement process.
Any outstanding balances will be the client's responsibility to settle.