Therapy Session Rates and Insurance Information in Cambridge, MA

Insurance and Payment Options

People often ask two questions right away: "Do you take my insurance?" and "How much will I actually pay?" The answer depends on whether you are coming in for individual therapy or couples therapy, and whether your plan offers any out-of-network benefits.

Individual therapy and insurance

For individual therapy, I accept most major commercial insurance plans, depending on my availability for insurance-based slots.

If I am not in-network with your plan, you can still choose to work with me using one of the out-of-pocket options below, and you may be able to seek reimbursement through out-of-network benefits if your plan includes them.

Couples therapy and insurance

For couples therapy, I do not bill insurance directly.

Many insurance plans don’t cover couples therapy the way people expect. Insurance typically covers therapy when it’s medically necessary to treat an identified patient’s mental health diagnosis. Because couples work often focuses on the relationship itself, it is commonly not covered under standard insurance billing. Some plans may reimburse certain sessions when couples therapy is billed as family psychotherapy tied to one partner’s diagnosis, and coverage varies by plan.

“My insurance company says they covers, so I’m good, right?”

I suggest you read this:

CPT code 90847, is a Procedure code for family therapy. It does not permit marriage counseling. Read more about procedure codes and diagnostic codes below.

Using Out-of-Network Benefits

If your plan includes out-of-network mental health coverage (often found in many PPO plans), you may be able to receive reimbursement for a portion of your session fees.

Here’s what that can look like in real life:

• You pay the session fee upfront.

• Your insurance plan may reimburse you after the claim is processed.

• Reimbursement amounts vary based on your plan’s deductible, coinsurance, and out-of-network coverage rules.

If you want to use out-of-network benefits, I can provide documentation that supports reimbursement (often called a “superbill”) when appropriate.

Verify Your Benefits and Estimate Your Reimbursement

I know insurance can be confusing and time-consuming. To make it easier, I use Mentaya, a tool that helps clients verify benefits and understand potential out-of-network reimbursement.

What Mentaya helps with

• Eligibility check: See whether your plan may reimburse out-of-network therapy

• Cost clarity: Get an estimate of what you might pay after reimbursement

• Less paperwork: A simpler process than calling your insurance and navigating forms
  Button text suggestion: “Check My Out-of-Network Benefits”

If you prefer not to use an online tool, you can also call your insurance company and ask about your out-of-network outpatient mental health benefits for telehealth.

A Note About Availability for Insurance Slots

I may accept eligible insurance plans for individual therapy, depending on my current caseload and availability. If you want to use insurance, the fastest approach is to verify benefits using partnered platforms such as Alma, Mentaya, or Headway once a session has been scheduled and insurance information has been added. You can also at any time contact me directly to confirm current openings.