Fees & Insurance

At Couples Chat Therapy, we believe that therapy is a meaningful investment in your relationship.  We aim to be transparent about fees to help you make an informed choice about your care.

• Initial Consultation (15 minutes): Free
• Individual therapy session (50 minutes): $180 
• Couples therapy session (50 minutes): $250
• Extended couples therapy session (90 minutes): $300 
• Couples Intensives - coming soon

Payment is due at the session.  We accept credit cards through a secure online system.  Individual therapy or couples therapy focused on a mental health issue may be HSA/FSA eligible.  Couples therapy, focused solely on the relationship, unfortunately, is not FSA eligible.

I am considered an out-of-network provider, which means you will pay the full session fee upfront, and I provide a monthly "Superbill" for you to submit to your insurance for potential reimbursement.

Many plans reimburse between 50% to 80% of the session after your out-of-network deductible has been met.  To better understand your benefits, contact your insurance provider.

We understand that life is complex and sometimes things come up unexpectedly. To respect everyone's time and support the therapeutic process, sessions must be cancelled at least 24 hours prior to the scheduled appointment time.

Sessions that are not cancelled within 24 hours will be subject to a late cancellation fee equal to the full cost of the session

Under the No Surprises Act (H.R. 133 - which will go into effect on January 1, 2022), health care providers need to give clients or patients who do not have insurance or who are not using insurance or paying or of pocket have the right to receive a Good Faith Estimate (GFE), an estimate of the bill for medical items and services.

• This Good Faith Estimate shows the costs of items and services that are reasonably expected for your health care needs for an item or service. The estimate is based on information known at the time the estimate was created. 
• You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes (under the law/when applicable) related costs like medical tests, prescription drugs, equipment, and hospital fees.
• The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens, federal law allows you to dispute (appeal) the bill. 
•  If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. 
  • You may contact the health care provider or facility listed to let them know the billed charges are higher than the Good Faith Estimate. You can ask them to update the bill to match the Good Faith Estimate, ask to negotiate the bill, or ask if there is financial assistance available. 
  • You may also start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If you choose to use the dispute resolution process, you must start the dispute process within 120 calendar days (about 4 months) of the date on the original bill. 
  • There is a $25 fee to use the dispute process. If the agency reviewing your dispute agrees with you, you will have to pay the price on this Good Faith Estimate. If the agency disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount. 
• Make sure your health care provider gives you a Good Faith Estimate within the following timeframes:
  • If the service is scheduled at least three business days before the appointment date, no later than one business day after the date of scheduling;
  • If the service is scheduled at least 10 business days before the appointment date, no later than three business days after the date of scheduling; or
  • If the uninsured or self-pay patient requests a good faith estimate (without scheduling the service), no later than three business days after the date of the request. A new good faith estimate must be provided, within the specified timeframes if the patient reschedules the requested item or service.
• The No Surprises Act has a universal waiver form required — which Spoken Balance has adapted into an identical online form. You may view the PDF of the waiver here. 
• This is the public disclosure of the “Good Faith Estimate” 

Note: A Good Faith Estimate is for your awareness only. It does NOT involve you needing to make any type of commitment.

To learn more and get a form to start the process, go to www.cms.gov/nosurprises or call 800-985-3059. For questions or more information about your right to a Good Faith Estimate or the dispute process, visit www.cms.gov/nosurprises or call 800-985-3059.