We Are a Private Pay, Out-Of-Network Practice

We've chosen to remain out-of-network with all insurance panels to provide truly client-centered treatment guided entirely by our clinical expertise, not insurance limits.

Practically speaking, remaining independent means we can:

• Provide specialized, evidence-based treatment without session limits
• Set session lengths based on what you actually need
• Protect your privacy with minimal third-party involvement
• Focus entirely on the most effective care, not just what's covered

That said, we're happy to support clients who want to use their out-of-network benefits. Here's how:

• Many clients receive 50–80% reimbursement through their out-of-network benefits
• Use our free Mentaya benefits tool to check your out-of-network coverage
• For claims, we provide a detailed superbill after each session - you can submit it yourself or use Mentaya to handle it for a small fee

We're a private-pay practice, which means you pay us directly and we provide you with everything you need to seek reimbursement from your insurance company. Here's what to expect.
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Licensed Psychologists

Dr. Ivy Ruths, PhD

• Initial Evaluation - $365
• 45 minute Follow Up Session – $295
• Full Hour Follow Up Session - $365
• Full Hour Parent Support/SPACE Session - $365
• Half Hour Check-in Session - $205‍
• 180 minute Intensive Outpatient Session - $885

Dr. Alyssa Hertz, PsyD

• Initial Evaluation - $355
• 45 minute Follow Up Session – $280
• Full Hour Follow Up Session - $355
• ‍Full Hour Parent Support/SPACE Session - $355‍
• Half Hour Check-in Session - $195‍
• 180 minute Intensive Outpatient Session - $840

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Licensed Professional Counselors

• Initial Evaluations (60m): $260
• Follow-up Sessions: $195 per therapeutic hour (45 minutes)
• Check In Sessions (30m): $130

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Licensed Professional Counselor - Associates

• Initial Evaluations (60m): $215
• Follow-up Sessions: $160 per therapeutic hour (45 minutes)
• Check In Sessions (30m): $107.50
• Supervised by Licensed Professional Counselor - Supervisors

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Doctoral Clinicians and Counseling Interns

• All Sessions (45m follow up and 60 minute intake): Start at $130, unless otherwise agreed upon based on financial need ($50-$75/session)
• Supervised by Licensed Psychologists
• Excellent care at reduced rates

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Important Payment Information

• Payment is due at the time of service
• We accept cash, credit cards, checks, and HSA/FSA cards
• Superbills are provided after payment is received
• 48-hour cancellation policy applies to all appointments

We are out-of-network with all insurance companies. That means we don't bill or talk with insurance directly, but many clients use their out-of-network benefits to get reimbursed for a portion of their sessions.

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Option A: Let Mentaya Handle It

For a small fee, Mentaya takes the whole process off your plate. They'll submit your claims, track them, follow up on anything that's delayed or denied, and keep you updated the whole way. For most clients, it's well worth it.

Mentaya will:

• Verify your specific insurance benefits
• Submit claims on your behalf
• Track the status of each claim
• Follow up on delayed or denied claims
• Provide reports on your reimbursements and outstanding deductible

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Option B: DIY Submission

Want to skip the fee and do it yourself? Here's how.

What You'll Need:

• Your superbill from us (we'll send it after your session)
• Your insurance company's claim form (usually on their website or member portal)
• Your insurance card

Step-by-Step:

1. Find your insurer's out-of-network claim form online, or call the number on your card if you can't locate it
2. Fill out your personal info, policy number, and group number
3. Enter the service details from your superbill: date of service, CPT code, diagnosis code, and amount paid
4. Attach the superbill to your completed form
5. Submit via your insurer's preferred method — online portal, email, fax, or mail
6. Keep copies of everything and note any confirmation numbers

What to Expect:

• Reimbursement typically takes 2-6 weeks
• You may receive an Explanation of Benefits (EOB) before the actual payment arrives
• If a claim is denied, your insurance company can explain why and walk you through the appeals process

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Please Note:

As an out-of-network practice, we cannot communicate with your insurance company. All insurance verification, claims submission, and follow-up will be handled entirely by you as the client. We provide the documentation you need, but you are responsible for all insurance interactions.

Our Doctoral Clinicians

Working with one of our doctoral clinicians is a great way to get high-quality, specialized care at a lower rate. They're completing their clinical training under weekly supervision from our licensed psychologists, so you get excellent care with an experienced team behind the scenes.

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Use Your HSA or FSA

If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can use those funds to pay for sessions directly. Because contributions are pre-tax, you're effectively saving 20–30% depending on your tax bracket. Most accounts come with a debit card you can use at the time of your appointment.

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Sliding Scale

We offer a limited number of sliding scale spots based on financial need and availability. Mention it when you schedule your first appointment and our Client Care Specialists will walk you through the process. Spots are limited and may have a waitlist.

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Potential Tax Deduction

Therapy costs may qualify as a deductible medical expense if they exceed 7.5% of your adjusted gross income and you itemize deductions. Keep your receipts throughout the year and check with a tax professional to see if this applies to your situation.

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Be Strategic With Your Deductible

If you have out-of-network benefits, a little planning goes a long way:

• Schedule more sessions in a month once you've met your deductible
• Submit claims promptly so reimbursements don't pile up
• Appeal denied claims - it's often worth it
• Consider timing elective therapy around your deductible reset date