Private Pay Therapy
More choice in your therapist. More flexibility in your care.
Finding the right therapist is personal. Your choice of care doesn't have to be limited by an insurance network.
At Haven of Healing for Youth & Families, we offer private-pay therapy for individuals, couples, and families who want the flexibility to choose a therapist based on their needs, goals, and therapeutic fit.
Whether you have insurance, have out-of-network benefits, or simply prefer not to use insurance for therapy, private pay gives you another option for accessing the support that's right for you.
You don't have to be uninsured to choose private pay.
Greater Privacy
When insurance is billed for therapy, certain information—including a diagnosis and information about the services you receive—is generally submitted as part of the claim. With private pay, Haven does not submit claims for those sessions to your health insurance plan.
Why Choose Private Pay Therapy?
Insurance can make mental health care more affordable, and for many people, using insurance is the right choice. Private pay simply gives you another option—and greater flexibility in deciding what works best for you.
Choose Your Therapist Based on Fit
Finding the right therapist is about more than finding someone who accepts your insurance. Private pay allows you to choose a therapist based on their experience, approach, specialty, and connection with you—not simply whether they participate with your insurance plan.
More Flexibility in Your Care
Insurance coverage is determined by the terms and requirements of your specific health plan. Private pay may offer greater flexibility when choosing services, addressing treatment goals, or receiving care that may not otherwise be covered by your plan.
Access Specialized Support
Sometimes the therapist who feels like the best fit isn't in your insurance network. Private pay gives you the ability to choose a Haven therapist based on the expertise, therapeutic approach, and support you're looking for.
Is Private Pay Right for You?
There isn't one “right” way to pay for therapy. For many people, using insurance makes the most sense. For others, private pay provides the choice, privacy, or flexibility they're looking for.
Private pay may be worth considering if...
✓ You've found the right therapist, but they're not in your insurance network.
You don't necessarily have to start your search over because a therapist isn't contracted with your health plan.
✓ You want to choose your therapist based on fit and expertise.
Your therapist's experience, specialty, therapeutic approach, and connection with you may be more important to you than network participation.
✓ You prefer not to submit therapy claims to your insurance.
Some clients simply prefer to keep their therapy sessions outside of their health insurance claims.
✓ You're seeking services your insurance may not cover.
Coverage varies considerably between plans, and some services or circumstances may not qualify for insurance reimbursement.
✓ You have out-of-network benefits.
Depending on your plan, you may be eligible to receive reimbursement for a portion of the cost of therapy after paying Haven directly.
✓ You have an HSA or FSA.
HSA/FSA funds may be used for eligible mental health services.
Still not sure? That's okay.
Choosing between insurance and private pay doesn't have to be complicated. Our team can help you understand the payment options available at Haven so you can make an informed decision about what works best for you.
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Past experiences can continue to affect how you feel, respond, connect, and move through everyday life. Trauma-focused therapy can help you understand these patterns, develop effective coping strategies, and work toward healing at a pace that feels manageable.
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When worry, overthinking, perfectionism, or feeling constantly “on” begins interfering with daily life, therapy can help you better understand what's driving the anxiety and develop practical strategies for managing it.
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ADHD can affect much more than attention. Therapy can address emotional regulation, organization, motivation, relationships, overwhelm, self-esteem, and the everyday challenges of navigating life with ADHD.
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Relationships can become strained by communication difficulties, disconnection, conflict, trust concerns, major transitions, or unresolved experiences. Therapy provides space to better understand relationship patterns and work toward healthier communication and connection.
Specialized Therapy. Personalized Care.
The right therapist isn't simply someone who is available—it's someone who understands what you're experiencing and knows how to help.
At Haven of Healing for Youth & Families, our clinicians provide individualized, evidence-based care for children, adolescents, adults, couples, and families. Private pay gives you the flexibility to choose a therapist whose experience and approach align with what you're looking for.
Not sure which service or therapist is right for you?
We'll help you find the Haven clinician whose experience and approach best align with your needs.
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Children and teens experience stress differently than adults. Our clinicians provide developmentally appropriate support for emotional, behavioral, relational, and life-transition concerns while helping young people build skills they can carry forward.
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Families sometimes need support navigating behavioral concerns, changing family dynamics, divorce or separation, parenting challenges, communication difficulties, and other stressors affecting the family system.
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Loss can change nearly every part of life. Therapy provides space to process grief, understand its emotional impact, and adjust to life after significant loss or change.
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Career changes, divorce, becoming a parent, children leaving home, relationship changes, caregiving, relocation, and other major transitions can bring both opportunity and uncertainty. Therapy can help you navigate change with greater clarity and confidence.
Straightforward, Transparent Pricing
We believe you should understand the cost of therapy before you begin.
Private-pay fees at Haven of Healing are based on the clinician's level of licensure, experience, specialty, session type, and length of service. This allows us to offer multiple private-pay options while reflecting differences in clinician experience, training, specialization, and scope of practice.
Private Pay Rates
Initial Clinical Evaluation
90 minutes | $150–$195
A comprehensive first appointment that may include clinical intake, diagnostic assessment, risk screening when indicated, clinical formulation, and initial treatment planning.
Individual Therapy
60 minutes | $120–$175
Our standard full-length individual therapy session. Fees vary based on clinician licensure, experience, and specialty.
45 minutes | $95–$120
A shorter therapy session that may be appropriate for ongoing treatment, focused therapeutic work, skill development, or maintenance.
30 minutes | $70–$90
A brief session that may be appropriate for focused follow-up, symptom monitoring, skills review, or maintenance when clinically appropriate.
Couples & Family Therapy
60 minutes | $140–$175
Therapy focused on relationships, couples, parenting concerns, family dynamics, communication, and family-system needs.
Specialty or extended couples and family sessions may have a higher fee depending on session length and the clinical service provided.
Clinician Fee Levels
Supervised Clinicians
Private-pay rates generally fall toward the lower end of the fee range.
Independently Licensed Clinicians
Private-pay rates generally fall within the mid-to-upper portion of the fee range based on independent clinical licensure, experience, and scope of practice.
Advanced Specialty Services
Some clinicians or specialty services may carry a higher fee based on advanced training, specialization, complexity of care, or extended session length.
Your exact fee will be reviewed with you before your first appointment.
What Your Private-Pay Fee Includes
Your fee covers more than the time spent face-to-face with your therapist. Depending on the service provided, it may also include:
Professional clinical time during your scheduled appointment
Routine clinical documentation
Treatment planning and clinical formulation
Standard care coordination within the normal course of therapy
Use of specialized clinical skills and evidence-informed interventions when clinically appropriate
HSA & FSA Payments
HSA and FSA funds may be used for eligible mental health services. Eligibility and reimbursement requirements are determined by your individual plan.
Good Faith Estimates
If you are uninsured or choose not to use your insurance for therapy, you may have the right to receive a Good Faith Estimate explaining the expected cost of your care. Haven will provide Good Faith Estimate information in accordance with applicable federal requirements.
Using Out-of-Network Benefits
You do not necessarily have to choose an in-network therapist to use insurance benefits.
If your health plan includes out-of-network mental health coverage, you may be eligible for reimbursement for a portion of what you pay for therapy.
When available under Haven’s practice policies, we may provide a superbill that you can submit directly to your insurance company.
Your insurance company determines whether services qualify for reimbursement and how much it will reimburse. Out-of-network reimbursement is not guaranteed.
Before beginning therapy, consider asking your insurance company:
Do I have out-of-network benefits for outpatient mental health services?
Do I have an out-of-network deductible?
How much of that deductible have I met?
What percentage of the allowed amount will my plan reimburse?
Is prior authorization required?
How do I submit a superbill for reimbursement?
Ready to find the right fit?
Choose a Haven therapist based on the experience, specialty, and approach that best meet your needs—not simply your insurance network.
Private Pay Therapy FAQs
Have questions about paying privately for therapy?
Private pay can provide greater choice and flexibility, but we know you may have questions about insurance, reimbursement, documentation, and payment. Here are answers to some of the questions we hear most often.
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Yes. Having health insurance does not mean you are required to use it for therapy. Some clients choose private pay because they prefer a particular therapist, want greater flexibility in choosing services, or prefer not to submit their therapy sessions to their health insurance plan.
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Possibly. Some insurance plans include out-of-network mental health benefits that may reimburse you for a portion of your therapy costs. Coverage, deductibles, reimbursement rates, and requirements vary by plan. When available under Haven’s practice policies, we may provide a superbill for you to submit to your insurance company. Reimbursement is not guaranteed.
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A superbill is a detailed receipt containing information your insurance company may require when you request out-of-network reimbursement. You pay Haven directly for your therapy session and then submit the superbill to your insurance company. Your insurance plan determines whether the service is eligible for reimbursement and the amount, if any, that it will reimburse.
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No. Private-pay therapy is still professional clinical care. Your therapist maintains clinical documentation in accordance with applicable professional, legal, ethical, and practice requirements. Private pay means Haven is not billing your health insurance plan for those private-pay sessions; it does not mean that clinical records are not maintained.
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A diagnosis is not automatically required simply because you choose to pay privately. Your clinician will determine whether diagnosis and diagnostic assessment are clinically appropriate based on the services being provided and applicable professional requirements. If you request documentation for out-of-network reimbursement, your insurance company may require diagnostic information.
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There may be circumstances in which you can choose to pay privately rather than use insurance. However, your options can depend on your insurance plan, the clinician, the services being provided, and applicable payer or legal requirements. Our team can review the payment options available to you before making a change.
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Private-pay therapy is subject to the same professional confidentiality and privacy requirements applicable to your care. Choosing private pay generally means Haven does not submit a claim for those sessions to your health insurance plan. Standard exceptions to confidentiality and applicable legal requirements still apply.
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Rates may vary based on a clinician’s level of licensure, experience, specialty training, scope of practice, session length, and the type of service provided. Your exact fee will be discussed with you before your first appointment.
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That's okay. The best payment option depends on your individual circumstances, including your insurance benefits, preferred therapist, treatment needs, and budget. You can review Haven’s insurance and payment options or contact us before scheduling if you have questions.
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Yes. Your applicable session fee will be reviewed before your first appointment. Clients who are uninsured or choosing not to use insurance may also have the right to receive a Good Faith Estimate of expected charges under applicable federal requirements.
Still have questions?
We're happy to help you understand your options before you schedule.
Ready to Find the Right Therapist?
You don't have to choose between finding the right therapist and receiving care that fits your needs.
At Haven of Healing for Youth & Families, we'll help you connect with a clinician whose experience, specialty, and therapeutic approach align with what you're looking for.
Choose the next step that's right for you.
Not sure where to start? Connect with us and we'll help you determine the best next step.