Insurance, Superbills, & Fees


All of our providers are private-pay, as we do not accept insurance. We accept payment via debit/credit card or HSA card.

We are not in-network with insurance but can provide you with a superbill (itemized receipt) for reimbursement of therapy services if you have out of network coverage. Please note that we cannot provide superbills for coaching services, assessments, or if you work with any of our interns (and some insurance companies will not offer reimbursement for associates).

Here are some questions to ask your insurance company to clarify if insurance reimbursement applies to you:

• Does my plan provide reimbursement for out-of-network mental health care with a Licensed Marriage and Family Therapist, Licensed Clinical Social Worker, Clinical Social Work Associate, Marriage and Family Therapy Associate, or Professional Counselor Associate? (the license type depends on your clinician)

• If so, is there a separate deductible?

• What percentage of out-of-network costs does my plan cover?

• Do I need pre-authorization for out-of-network services?

• Is there a limit to the number of sessions that will be reimbursed per year?

• How do I submit for out-of-network reimbursement?

Payment is due at the time of service & your card will automatically be charged after your session.

We do not offer payment plans. If your card is declined for any reason, your therapist will reach out to you to get accurate payment information & payment will be due as soon as possible. If you are unable to pay for your session, your therapist reserves the right to remove your recurring time slot from their schedule.

We hold a limited number of low fee slots in our caseloads for those in need and prioritize marginalized folks for these spaces (Note: low fee slots are currently taken but feel free to reach out to be placed on this waitlist).

Therapy is an interesting service because it’s a vulnerable & care-based relationship, and it’s also a paid service. We understand that can feel a bit strange at times. Please know your therapist is comfortable discussing any financial concerns you have with you, so feel free to let them know if anything comes up.

Why we don’t accept insurance

We completely understand wanting to use insurance for your therapy! Therapy is expensive (trust us, we get that! we pay for our own cash pay therapists too). We know it can be frustrating when providers don’t accept insurance and have a high fee. There’s a lot that has informed our decision not to accept insurance.

1) Insurance requires a diagnosis. And many times these diagnoses are not the focus of our work in sex therapy. It becomes an ethical gray area for a therapist and you’re also required to have a diagnosis code on your permanent record (which can be considered pre-existing condition).

2) Using insurance means a lack of privacy and lack of control over therapy. Insurance companies can request access to your therapy records to get proof you still need mental health care. They can also dictate how many sessions you can have and what kinds of therapeutic modalities are acceptable. This results in less privacy for you and less ability for your therapist to form treatment around your unique needs.

3) Couples therapy and sex therapy are not covered by insurance. Sex therapy diagnoses are not an option for billing insurance. For couples therapy to be covered by insurance, therapists have to create a work around in which one person is considered the “primary patient”, is given a diagnosis, and then sessions are billed as family therapy sessions with the primary patient present. This also requires the focus of therapy to be treating the diagnosis of the primary patient. This becomes an ethical issue, since for couples therapists, couples therapy is not centered around one person in the relationship and the couple is the client.

While we want to be accessible to those who need our services, we do not accept insurance to better align with our ethics overall. We don’t want to engage with that system when it’s not set up in a way that aligns with our values or what we feel is best for clients. This is why we feel our best option is to not accept insurance and to have a limited number of low fee slots to support those without access to full fee therapy.

We set our fees based on what allows our therapists to be the best they can be for you.

We want our therapists to be able to maintain small caseloads, have time to care for themselves well, and to have their needs met. All of this means they do much better work for you & you deserve their best.

A therapist who is struggling to meet their basic needs and doing way too many sessions each week is going to be stressed, burnt out, and less able to support you in the way you deserve.

We know everyone can’t afford our fees (as carers, we really do wish we could help everyone and do that well!). But, we are happy to help you find lower fee providers if that’s something you need.

Have more questions?
Here is our FAQ page with more answered questions.

Otherwise, feel free to reach out to our admin by scheduling a call or emailing us at admin@empoweredfulfillment.com