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Rates & Insurance

Investing in Your Growth & Healing

Understanding your financial investment shouldn't be stressful. To ensure you receive the highest level of clinical privacy, personalized care, and freedom from insurance restrictions, Cardinal Hope and Healing LLC operates as a private-pay, out-of-network practice.

Standard Session Fees:

  • 15-Minute Initial Consultation: Free

  • Initial Diagnostic Intake Evaluation (60 Minutes): $275

  • Ongoing Therapy Sessions (50 Minutes): $225

Using Out-of-Network Benefits

Cardinal Hope and Healing LLC is a private-pay, out-of-network practice. If your insurance plan includes out-of-network mental health benefits, you may be eligible for reimbursement for therapy services.

Clients can use Reimbursify to:

  • Verify out-of-network mental health benefits

  • Estimate potential reimbursement

  • Submit claims electronically

Monthly superbills are also available upon request.

Therapy fees are paid at the time of service. Reimbursement is determined by your insurance plan and is not guaranteed.

Check Benefits & Submit Claims

Office Policies & FAQ

  • If you plan to use out-of-network benefits, you can verify your benefits through Reimbursify or by calling the Member Services number on the back of your insurance card.

    When speaking with your insurance provider, consider asking:

    • "Do I have out-of-network mental health benefits for outpatient therapy?"

    • "Are telehealth therapy sessions covered under my out-of-network benefits?"

    • "What is my out-of-network deductible, and how much of it have I met?"

    • "What is the reimbursement amount or coinsurance for individual psychotherapy?"

    • "Is there an allowed amount or maximum reimbursement rate for these services?"

    • "What is my reimbursement rate or co-insurance percentage for CPT codes 90834 and 90837?"

    • "Are there any limits on the number or frequency of therapy sessions?"

    • "What is the process for submitting an out-of-network claim?"

    Your insurance plan determines whether services are covered and how much you may be reimbursed. Coverage and reimbursement can vary by plan and may change over time.

  • Item des24-Hour Notice Required

    • Your session time is reserved exclusively for you.

    • Please cancel or reschedule at least 24 hours before your appointment time.

    • Late Cancellation & No-Show Fees

      • Cancellations under 24 hours—and missed sessions—incur the full standard session fee.

      • Please note: Insurance plans do not reimburse or cover fees for missed appointments.

    • Late Arrivals

      • If you are running late, please send a quick message to let me know.

      • We will meet for the remainder of your time, but the full session fee still applies.

    • Secure Card on File

      • All clients must keep a valid credit, debit, HSA, or FSA card on file in our secure portal.

  • Under the No Surprises Act, clients who do not use insurance or who choose to pay privately have the right to receive an estimate outlining the total expected cost of their non-emergency mental health care before services begin.

    • What Your Estimate Includes

      • A detail of the anticipated out-of-pocket costs of your therapy services.

      • Calculated based on your unique clinical plan and expected session frequency.

    • Flexibility & Changes

      • Actual long-term costs may vary depending on your individual therapeutic goals and progress.

      • Your treatment plan can adapt based on your evolving clinical needs.

    • The Right to Dispute

      • If you receive a bill that is at least $400 more than your provided estimate, federal law gives you the right to formally dispute the charges.

    • Learn More

      • For more details on consumer billing rights, visit the official CMS No Surprises Portal.

      • You can also call their national help line at 1-800-985-3059.

  • To keep our focus entirely on your healing, the billing process is simple, automated, and secure.

    • Automated Charging

      • Cards are processed automatically on the day of your scheduled session.

      • Covers private-pay fees, outstanding balances, or late cancellation charges.

    • Secure SimplePractice Portal

      • All clients maintain a valid payment method on file in our secure, encrypted client portal.

      • Your financial information remains fully protected and HIPAA-compliant.

    Accepted Forms of Payment

    • Cards: Visa, Mastercard, American Express, and Discover.

    • HSA & FSA: Use tax-free health dollars toward eligible therapy sessions.

    • ACH Transfers: Direct, encrypted bank-to-bank portal transactions.

Let’s Begin Together

Taking the first step toward healing should feel simple. I offer a complimentary 15-minute consultation for new clients to discuss your needs, answer questions about my private-pay and out-of-network services, and determine whether we're a good fit to work together.

[Schedule Your Free 15 Minute Consultation]