RATES & INSURANCE
Therapy rates and insurance, clearly explained.
Seeking therapy is an investment in yourself and your relationships, and I believe in being transparent about that investment from the start. This page explains my session fees and the different ways you can pay, including using out-of-network insurance benefits when available.
At AtReef, I truly believe in being transparent. I am open about the cost of our therapy sessions. You can also check out my No Surprises Act page as well.
Know the cost before you begin.
Clear fees for couples therapy, individual therapy, and a free 30-minute consultation. AtReef Therapy is based in Cambridge, Massachusetts and provides secure video sessions to clients located in Massachusetts.
Free Consultation
A real conversation before you commit.
Talk directly with Ehsan about what brings you to therapy, what you want to change, and what you need from a therapist. Ask practical questions and decide whether working together feels like the right fit. No intake paperwork and no obligation to continue.
- 30-minute private video conversation
- No intake paperwork before the call
- No obligation to begin therapy
Couples Therapy
Private-pay couples therapy with the fee clear from the start.
AtReef does not bill insurance directly for couples therapy. If your plan includes applicable out-of-network mental health benefits, a superbill can be provided for you to submit. Your insurer decides whether a claim qualifies and how much, if anything, is reimbursed.
- 60-minute secure video session
- Private pay · insurance not billed directly
- Superbill available for applicable out-of-network claims
Individual Therapy
A clear private-pay rate, with select insurance options when available.
The private-pay fee is $300 per session. Select insurance plans may be accepted for individual therapy when insurance-based openings are available. If AtReef is out of network with your plan, a superbill can be provided for eligible reimbursement requests.
- 60-minute secure video session
- Private pay or select insurance, if available
- Coverage confirmed before insurance-based care
Why Mentaya is perfect if you:
I've partnered with Mentaya, a service that streamlines getting reimbursed for your therapy sessions through out-of-network benefits.
Have out-of-network benefits
Feel overwhelmed by superbills and insurance
Have submitted superbills but failed to get any reimbursement
Simply want to skip the hassle of paperwork!
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Schedule a session
Upload your insurance information
As your provider I will send you an invitation for Mentaya
Sign up for Mentaya
Our practice will enter your sessions into the platform.
Mentaya submits the claim and handles any insurance follow-up.
You get reimbursed by insurance!
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Mentaya guarantees claims are successfully submitted or a full refund of their fees. They charge a 5% fee per claim, which includes handling any required paperwork, dealing with denials, and calling insurance companies.
Next Steps For Out-of-network options for therapy.
Mentaya Makes Getting Care Easy and Simple
I have partnered with Mentaya to help clients use their out-of-network benefits to save money on therapy. Use this tool below to see if you qualify for reimbursement for my services.
If you are considering starting therapy and want clarity on fees or insurance options, you are welcome to reach out. If you plan to use out-of-network benefits, verifying first (via Mentaya once added) can make the process much easier.
Frequently Asked Questions
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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.
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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.
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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.
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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.
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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.
You should know what you are agreeing to before you begin.
If you still have a question about session fees, insurance, out-of-network benefits, availability, or getting started, contact AtReef directly. If your question is more about whether therapy together would be the right fit, the free 30-minute consultation is usually the better place to start.
AtReef Therapy is based in Cambridge, Massachusetts. Therapy sessions are provided by secure video to clients located in Massachusetts.