Insurance, Fees & Payment Information

Clear, Flexible Options for Accessing Therapy

We believe understanding the cost of therapy should feel simple and transparent. Coffee Talk Therapy accepts select insurance plans, offers private-pay options, and provides low- to no-cost counseling through supervised graduate interns for qualifying clients. Coverage and out-of-pocket costs may vary based on your specific insurance plan, deductible, copay, and the therapist you choose.

Before beginning services, we encourage clients to review their mental health benefits and confirm coverage directly with their insurance provider. Our team can also help explain available options, session fees, payment policies, and financial responsibilities so you can make an informed decision about your care. A valid payment method is kept securely on file, and payment is due according to your insurance benefits or private-pay agreement.

Our licensed therapists participate with different insurance plans, so coverage may vary by provider. All licensed providers are in-network with Aetna and Blue Cross Blue Shield, while select therapists also accept Cigna and UnitedHealthcare/Optum. Please review each provider’s profile to confirm which plans they accept.

Coffee Talk Therapy is not in-network with Medicare or Medicaid and does not submit claims to these programs. For other out-of-network plans, we may be able to submit claims on your behalf; however, full payment is due at the time of service. Because benefits, deductibles, copays, and reimbursement amounts vary, we recommend contacting your insurance company directly for details about your coverage.

Clients who choose not to use insurance may ask about private-pay rates. We also offer reduced-cost therapy through supervised graduate counseling interns, with sliding-scale options available to help make care more accessible.

Insurance And Fees

  • Copay: A fixed amount you pay for each therapy session, usually due at the time of service.

    Deductible: The amount you must pay out of pocket before your insurance begins sharing the cost of care.

    Coinsurance: The percentage of the session fee you pay after meeting your deductible, with insurance covering the remaining portion.

  • In-Network Insurance: Your therapist has agreed to a contracted rate with your insurance company. Your plan determines what you pay, which may include a copay, coinsurance, or deductible.

  • Out-of-Network Insurance: We work with most out-of-network plans. You pay the full private-pay fee at the time of service, and we provide a superbill for you to submit to your insurance company. Any reimbursement depends on your plan's out-of-network benefits.

  • $300 for a 60–90-minute initial intake session
    $225 for a 50–53-minute therapy session
    $175 for a 30–45-minute therapy session
    $85 for a 90-minute group session

    These rates apply to private-pay clients and clients using out-of-network benefits. If your therapist is in network with your insurance plan, your cost will be based on the copay, coinsurance, or deductible required by your plan. Reduced rates and limited scholarships may be available based on eligibility and availability. We are happy to help explain your benefits and expected costs before your first session.

  • Our graduate counseling interns provide high-quality therapy under the direct supervision of experienced licensed clinicians. Sessions are $35 per session, making professional counseling more accessible for individuals, couples, and families. Additional reduced rates and limited scholarships may be available based on financial need and funding availability.

    For clients with higher insurance copays, we also offer a Copay Rate Program, allowing eligible clients to receive care with a graduate counseling intern at a cost comparable to their insurance copay. This program provides an affordable alternative while maintaining the same commitment to compassionate, evidence-based care.

  • We currently accept Visa, Mastercard, and HSA cards. A valid credit or HSA card must be kept securely on file to cover session fees, copays, coinsurance, deductibles, cancellation fees, and any other client-responsible balances. Payment is due at the time of service.

  • We understand that unexpected situations arise and you may occasionally need to cancel or reschedule an appointment. If possible, please provide at least 24 hours' notice to avoid being charged the full session fee. Because insurance companies do not reimburse for missed or late-cancelled appointments, clients are responsible for the full cost of any appointment that is missed or cancelled with less than 24 hours' notice.

  • If you do not have insurance or choose not to use it, you have the right to receive a Good Faith Estimate of the expected cost of your care, including psychotherapy services. You may request this estimate before scheduling. If your final bill is at least $400 more than the estimate, you may have the right to dispute the charge. Keep a copy of your Good Faith Estimate for your records.

  • BHAP Program: The Behavioral Health Access Program is a North Carolina State Health Plan initiative that expands access to mental health care through participating providers. For current coverage and provider information, visit the NC State Health Plan website.