Fees & Insurance
Fees for individual therapy, couples therapy, groups and EMDR vary based on the type and length of service provided.
Let's talk about insurance.
If you've started looking for a therapist, you've probably come across the phrase out-of-network and wondered what that actually means. Maybe it sounds like a way of saying therapy will be too expensive, or that insurance won't help cover the cost. I want to take some of the mystery out of it, because out-of-network care may be more accessible than you think.
At Inner Anchor Wellness, we are an out-of-network practice. This means we do not have contracts with insurance companies or bill them directly. You pay for your sessions at the time of service, and depending on your insurance plan, you may be eligible to receive reimbursement for a portion of your therapy costs.
But there is a reason we have chosen to work this way, and it goes beyond the logistics of insurance.
Why we choose to work outside of insurance
At Inner Anchor Wellness, we believe therapy should be guided by the person sitting across from us, not by the limitations of an insurance policy.
When a therapist is in-network, insurance requirements can influence the therapeutic process. Insurance companies may require a mental health diagnosis, documentation of medical necessity, treatment plans, and periodic reviews to determine whether continued care will be covered. They may also establish limitations around the frequency or duration of treatment.
While insurance can be an important resource for accessing mental health care, these requirements don't always leave room for the complexity of being human.
We've chosen an out-of-network model because it allows us to practice in a way that aligns with our values and the kind of care we believe people deserve.
It allows us to:
Individualize your care. Treatment is shaped around your experiences, goals, and needs rather than insurance requirements.
Honor your process. Therapy can move at a pace that feels right for you, without insurance-imposed session limits or authorization requirements.
Prioritize the relationship. We have the flexibility to focus on connection, trust, and the deeper work that happens when you feel safe enough to show up as you are.
Maintain clinical autonomy. Our clinical decisions are guided by your needs and our professional expertise rather than insurance reimbursement criteria.
This isn't about making therapy harder to access. It's about being intentional about the kind of care we want to provide.
We believe meaningful change doesn't always follow a timeline, fit neatly into a treatment plan, or happen in a predetermined number of sessions. It requires space, trust, curiosity, and a relationship where you feel seen and understood.
That freedom matters to us.
What does out-of-network actually mean?
Here's the part many people don't realize: Being out-of-network doesn't necessarily mean your insurance won't contribute toward therapy.
Many insurance plans, particularly PPO plans, include out-of-network mental health benefits. This means your insurance may reimburse you for a portion of your session fees, even though we are not directly contracted with your insurance company.
Typically, the process looks like this:
You attend your session and pay the session fee at the time of service.
We provide you with a detailed monthly statement, called a superbill.
You submit the superbill to your insurance company for an out-of-network claim.
Depending on your benefits and deductible, your insurance company may reimburse you directly for a portion of the cost.
The amount reimbursed depends on your individual plan, including your out-of-network deductible, reimbursement rate, and coverage limitations.
Some people are surprised to learn that their insurance may cover a meaningful portion of their therapy costs.
Let's make the insurance part a little easier.
We know that navigating insurance can feel overwhelming. Between deductibles, reimbursement rates, and figuring out what your plan actually covers, it can be difficult to know where to begin.
That's why we have made it easier to explore your benefits before getting started.
You can use the insurance benefits checker on our website through Reimbursify to get an estimate of your out-of-network mental health benefits and potential reimbursement. This can help you better understand your anticipated out-of-pocket costs before your first appointment.
We also provide detailed monthly superbills to support you in submitting claims to your insurance company.
Our goal is to make the administrative side of therapy as straightforward as possible, so you can spend less time figuring out insurance and more time focusing on yourself.
Please note: Benefits verification provides an estimate of your insurance coverage and does not guarantee payment. Your insurance plan determines final coverage.
A Few Things to Know About Insurance
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A superbill is a detailed statement that includes the information your insurance company needs to process an out-of-network claim. It typically includes dates of service, service codes, diagnosis information, provider credentials, and the amount paid.
We provide monthly superbills for you to submit directly to your insurance company for potential reimbursement.
Submitting a superbill does not guarantee reimbursement, as coverage and payment decisions are determined by your individual insurance plan.
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We want to be transparent about this, too.
Not every insurance plan includes out-of-network mental health benefits. Some HMO and EPO plans, for example, may only cover services provided by in-network clinicians, with limited exceptions.
If your plan does not offer out-of-network benefits, you would be responsible for the full cost of your sessions.
And if working with an in-network therapist is what makes therapy financially possible for you right now, that is completely okay. We believe the most important thing is finding care that feels right for you and is financially sustainable.
There is no one-size-fits-all approach to therapy, and there is no one right way to access it.
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If you would prefer to speak directly with your insurance company, here are a few helpful questions to ask before getting started:
Do I have out-of-network benefits for outpatient mental health services?
What is my out-of-network deductible, and how much have I met?
What percentage of the session fee is reimbursed for out-of-network psychotherapy?
Is reimbursement based on a specific allowed amount?
Are there limitations on the number of sessions covered?
What is the process for submitting out-of-network claims?
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At the heart of Inner Anchor Wellness is the belief that people deserve to feel seen, heard, and understood.
We believe therapy is more than checking a box, meeting a treatment requirement, or working toward a predetermined outcome. It's about creating a relationship where you feel safe enough to explore, understand yourself in new ways, and make meaningful changes.
We've chosen this model because we want to protect the space for that work.
We recognize that out-of-network care isn't the right fit for everyone, and we never want finances to be a barrier to someone seeking support. We encourage you to explore your benefits, ask questions, and make an informed decision about what works for you.
You deserve care that meets you where you are.