— FEES & INSURANCE —

Therapy fees and insurance

$225 per 45–60 minute session

I offer a sliding scale from $140 to $225 for clients experiencing financial hardship, using a structured questionnaire — no negotiating, no proving anything to me.

I'm out-of-network with all insurance plans. I provide superbills, and Mentaya can check your benefits and file claims for you.

Check My Out-of-Network Benefits →

— SLIDING SCALE —

Sliding Scale

Rates are based on an anti-oppressive structure, adapted from the Anti-Oppression Resource and Training Alliance. Rather than asking you to justify your finances to me, it asks about access to the things that make money easier or harder to come by.

Answer these ten honestly. Count your yeses.

  1. Are you and your family homeowners or landowners? (This question does not apply to those who are Native or Indigenous.)

  2. Have you attended private educational institutions, or do you have an advanced degree?

  3. Are you able to make minimum payments on your bills and credit cards?

  4. Have you been able to easily access and afford health insurance for yourself and your family?

  5. Do you have little to no debt, and/or disposable income?

  6. Do you have a safety net of financially stable or wealthy family and friends?

  7. Do you have U.S. citizenship?

  8. Does your income support only you, rather than other loved ones as well?

  9. Have you inherited money or property, or do you expect to?

  10. Have you attended, or could you have attended, college or graduate school?

YesesTierRate
8–10Pay It Forward$225
6–7Full Cost$210
4–5Sustain$185
2–3Solidarity$160
0–1Hardship$140

Tell me your number at the consultation. I won't ask for documentation and I won't ask you to explain your answers.

If your circumstances change while we're working together — in either direction — tell me, and we'll adjust.

— INSURANCE —

Using your insurance

I'm out-of-network with all insurance plans, including Medicaid and Medicare, which I'm not able to accept.

That doesn't mean your insurance is useless here. Many plans reimburse a meaningful portion of out-of-network mental health care once your deductible is met.

Two ways to use your benefits:

Mentaya. Checks your out-of-network coverage in about a minute and files claims on your behalf. Most clients see reimbursement within a week of the session. Use the checker below — it's free and you don't need to be a client.

Superbills. If you'd rather file yourself, I'll provide an itemized receipt with everything your insurer needs.

— WHY OUT-OF-NETWORK —

Why I don't take insurance

This is a fair question, and the honest answer has trade-offs on both sides.

What insurance requires: a diagnosis in your permanent medical record. Access to your session notes on request. And limits on how many appointments you get in a year, decided by someone who has never met you.

What working out-of-network means: what we talk about stays between us. How long we work together is our decision. No diagnosis is filed unless you want one for your own reasons.

For work that takes time — which is what I do — that matters more than it would for six sessions of skills training.

But it costs more up front, and that's real. If paying out of pocket isn't workable for you, that's not a failure of will. It's a straightforward math problem, and there are good therapists who take insurance. I'd rather tell you that here than have you find out after three sessions you can't sustain.

— IF COST IS THE BARRIER —

If the fee is out of reach

Start with the sliding scale. It goes to $140, and using it requires nothing from you but an honest count.

If that's still not workable, a few real options:

My scholarship and therapy assistance program. Details here

Open Path Collective. A nonprofit network of therapists offering reduced-fee sessions. There's a one-time $65 lifetime membership, and after that sessions run $40–$70 with a licensed therapist, $40–$80 for couples or family, and $30 with a student intern.

Your employer's EAP, if you have one. Usually a set number of free sessions. Worth using.

Community mental health clinics in your borough, which bill on a sliding scale based on income.

I'd rather point you somewhere useful than have you decide therapy isn't for people like you. It is.

— PAYMENT —

Payment

Payment is due at the time of session. I accept:

  • Debit and credit cards

  • ACH bank transfer

  • HSA and FSA cards

Your HSA or FSA can usually cover therapy in full. If you're not sure whether yours does, your plan administrator can confirm.

— PROFESSIONAL SERVICES —

Clinical supervision, consultation, and partnerships

Rates for clinical supervision, professional consultation, business consultation, and press or partnership work are quoted individually.

Inquire About Professional Services →

— YOUR RIGHTS —

Good Faith Estimate

Under federal law, you have the right to a Good Faith Estimate explaining how much your care will cost.

Health care providers must give patients who don't have insurance, or who aren't using insurance, an estimate of the expected cost of services. You're entitled to receive yours in writing at least one business day before your appointment, and you can request one from any provider before you schedule.

If you receive a bill at least $400 more than your Good Faith Estimate, you can dispute it.

For questions about this right, visit cms.gov/nosurprises or call 800-985-3059.

Cancellations

I ask for at least 24 hours' notice to cancel or reschedule an appointment. Appointments cancelled inside that window are charged at your session rate — the tier you're on, not the standard fee. Insurance does not reimburse missed appointments.

Full refund and cancellation terms are in the Fulfillment Policy.

— COMMON QUESTIONS —

Common questions about cost

How much does therapy cost at MyMindset?
Individual sessions are $225 for 45–60 minutes, with a sliding scale from $140 to $225 based on financial need.
How does the sliding scale work?
You answer ten questions about your access to financial resources and count your yeses. That number maps to one of five rates between $140 and $225. You tell me your tier at the consultation. No documentation, no explanation required.
Will you ask me to prove I need the sliding scale?
No. The questionnaire is the whole process. I take your number as given.
Do you take my insurance?
I'm out-of-network with every plan, so I don't bill insurance directly. Many plans reimburse a portion of out-of-network sessions once your deductible is met, and Mentaya can check your specific coverage in about a minute. I'm not able to accept Medicaid or Medicare.
What is a superbill?
An itemized receipt containing everything your insurance company needs to process an out-of-network reimbursement claim — dates, service codes, my license and NPI. You submit it to your insurer and they reimburse you directly.
Can I use my HSA or FSA for therapy?
Yes. Therapy is a qualifying medical expense under most plans, and I accept HSA and FSA cards directly.
What if my financial situation changes while we're working together?
Tell me and we'll adjust. That goes both directions, and it doesn't need to be a whole conversation.
What happens if I cancel or miss an appointment?
I ask for at least 24 hours' notice to cancel or reschedule. Inside that window, the appointment is charged at your session rate — whatever tier you're on, not the standard fee. Insurance doesn't reimburse missed appointments, so a superbill won't cover it.

I know things come up. If something genuinely unavoidable happens, tell me. I'd rather hear from you than not.

— WHENEVER YOU’RE READY —

Still have questions about cost?

Ask them on the consultation. It's free, it's 20 minutes, and money is a completely normal thing to bring up on it.

Book my free 20-minute consultation

Or call: 917-426-1329