Insurance & Payment

At Anchored Counseling & Consultation, we believe quality mental health care should be accessible and transparent.

We are currently in-network with the following commercial insurance plans:

  • Blue Cross Blue Shield

  • Aetna

  • United Healthcare

  • Tricare

If you have a different insurance provider, we’re happy to provide a superbill—a detailed receipt you can submit to your insurance company for potential out-of-network reimbursement.

For clients who do not have insurance or prefer to pay out of pocket, our clinicians offer reduced self-pay rates. We are committed to making therapy financially accessible whenever possible.

We’ll verify your benefits before your first session so there are no surprises—but we also encourage clients to review and understand their coverage, including copays, deductibles, and mental health benefits. Every plan is different, and your peace of mind matters to us.

Still have questions? We’re here to help you navigate the details so you can focus on what matters most: your healing.

Out-of-Pocket Rates

For clients choosing to pay out of pocket, our current self-pay rates are:

  • Initial Clinical Assessment: $200

  • Individual Therapy: $150 per session

  • Couples Counseling: $175 per session

  • Group Therapy: $80 per group session

Reduced rates may be available depending on clinician availability and client need. We believe therapy should be accessible and are happy to discuss options with you.

When calling your insurance company, here’s what you can say…

"Hi, I’m calling to check my mental health benefits for outpatient therapy services. I’d like to confirm my coverage and any out-of-pocket costs I should expect. Could you help me with that?"

Questions to Ask:

  1. Do I have mental health coverage for outpatient therapy?
    (Specifically for sessions with a Licensed Clinical Social Worker or Licensed Professional Counselor.)

  2. Is Anchored Counseling & Consultation or my provider considered in-network?
    (Give the therapist’s name and NPI number if needed.)

  3. What is my copay or coinsurance per session?
    (Ask for the cost per visit for behavioral health services.)

  4. Do I have a deductible to meet first?

    • If yes: “How much is it, and how much have I met so far?”

  5. Is there a limit to the number of therapy sessions per year?

  6. Do I need prior authorization or a referral from a primary care provider?

  7. Are telehealth therapy sessions covered?

  8. What is the coverage for CPT codes 90791, 90834, and 90837?
    (These are common codes for intake and individual therapy.)

Benefits of being Self-Pay

1. Increased Privacy and Confidentiality

  • Insurance companies require a diagnosis and may request treatment notes or session details for approval or audits.

  • When you pay out of pocket, your records stay between you and your therapist—giving you more control over your personal information.

2. Greater Flexibility in Treatment

  • You and your therapist decide together what to work on, how often to meet, and how long to continue, without being limited by insurance policies.

  • You're not restricted by session limits, approved diagnoses, or time-based requirements.

3. No Formal Diagnosis Required

  • Insurance billing requires a mental health diagnosis that becomes part of your medical record.

  • Self-pay clients can explore personal growth, life transitions, or stress management without needing a diagnosis or clinical justification.

4. Freedom to Choose Your Therapist

  • You're not limited to providers within an insurance network, which means you can:

    • Work with specialists in trauma, EMDR, or somatic therapy

    • Choose a therapist who shares your values, background, or identity

    • Get started without waiting for approval or navigating insurance directories

5. Simpler, More Transparent Process

  • No surprise bills, denied claims, or paperwork headaches.

  • You know exactly what you're paying and what to expect—no insurance middleman.