Estimate your cost
Choose whichever fits — no proof or paperwork needed, ever.
A limited number of reduced-fee spots are open at any given time and are reviewed periodically — availability isn’t guaranteed for every new client, but it never costs anything to ask.
Everything below is educational — not a quote, a bill, or advice about what you should do.
Estimated monthly cost
~4 sessions × $140
$560
Nothing here is pulled from your plan — type in your own numbers to see how it works.
Deductibles work differently across employer plans, ACA marketplace plans, and self-employed plans. “Rate before deductible met” is your insurer’s negotiated rate, not the sticker price — usually on your Explanation of Benefits or Summary of Benefits.
With insurance (est. annual)
$0
$0 premium · 48 × $0 copay
Private pay here (est. annual)
$6,720
48 sessions/yr × $140
An estimate, not a guarantee — actual insurance costs depend on your plan’s rules, negotiated rates, and how much of your deductible other medical care has already used. There’s no wrong choice here. It’s your call.
Some out-of-network plans reimburse part of what you pay here after you submit a superbill. Some reimburse nothing at all. This is a rough illustration, not a projection.
| You pay here (annual) | $6,720 |
| Possible reimbursement | $3,360 |
| Estimated net cost | $3,360 |
Reimbursement isn’t guaranteed, is often partial, and can take weeks after you submit. Many plans reimburse $0 out-of-network. For a real answer, check your actual benefits rather than relying on this estimate — check your benefits.