Rates & Insurance

Psychotherapy Pricing

Clinical Assessment – $175
50 Minute Psychotherapy Session – $150
40 Minute Psychotherapy Session – $120
25 Minute Psychotherapy Session – $90


Psychotherapy services are typically eligible for reimbursement by health insurance. Most of our providers are “in-network” participating providers with Blue Cross Blue Shield (excluding Blue Value & Blue Local plans).


Third Wave Psychotherapy, PLLC is a teaching facility.  We often have Masters level intern clinicians who are directly supervised by our highly experienced staff.  Our intern clinicians offer reduced rate therapy services at our various sites.  Learn more about our current Intern Clinicians

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Couples Therapy Pricing

Clinical Assessment – $250
50 Minute Couples Therapy Session – $175



Exploration Package (3 sessions)$425
The couples therapy exploration package is designed for couples who may be unsure if couples therapy is “right” for them but who are hopeful about the possibility.  This package includes:
– 1 Couples Assessment (includes both partners)
– 2 Individual Assessments (1 per partner)

All-In Package (10 sessions)$1,400
The “All In” package is designed for couples who are committed to the process of couples therapy and are focused on addressing the longer-term issues that are undermining their relationship.

Please note that payment for all couples & marriage counseling services at Third Wave is out-of-pocket only. Couples and/or marriage counseling and therapy is typically not considered to be a “medically necessary service” and is thus generally not covered by insurance.

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Mental Wellness Coaching Pricing

At Third Wave, we’re about promoting mental wellness, not just treating mental illness. For those who are simply interested in strengthening their emotional, psychological, and behavioral health, do not meet criteria for a psychiatric diagnosis, or prefer to operate outside of the traditional medical model, we offer several mental wellness coaching options.

50 Minute Coaching Session – $150
30 Minute Coaching Session – $90



5 Session Coaching Package – $675
10 Session Coaching Package – $1,200

Mental wellness coaching services purchased through our session packages are not eligible to be submitted for reimbursement by insurance. If you would like to utilize health insurance benefits please refer to our psychotherapy pricing.

A note about refunds. If you purchase a package and terminate services prior to using all of your sessions we will gladly adjust the billing for any already used sessions to the pay-as-you-go session rate and refund your remaining balance.

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Using Health Insurance for Your Therapy

Using In-Network Insurance

Being “in-network” means that we participate in a health insurance plan’s provider network and have agreed to accept a negotiated rate from your insurance provider. This reduces your out-of-pocket costs for therapy. This also means that we will file claims on your behalf and you will only be responsible for paying what your insurance does not cover. This includes co-pays, co-insurance, and deductibles.

We are considered “in-network” providers for the following health insurance plans:

Blue Cross Blue Shield PPO plans

  • What is a deductible?

    A deductible is a specified amount of money that you must pay for mental health services before your insurance company will pay anything towards your services.

  • What is Co-Pay?

    A co-pay is a fixed out-of-pocket amount that you pay for covered services. If you have a co-pay for a certain service, odds are you will not owe anything else out-of-pocket. That said, some insurance plans have both a co-insurance and a co-pay. Be aware that your co-pay amount does not count towards your deductible.

  • What is Co-Insurance?

    Co-insurance refers to cost-sharing where you and your insurance provider split the cost of your healthcare services. Your co-insurance amount will be stated in terms of a percentage (e.g, 20% co-insurance).

Using Out-of-Network Insurance

If we are “out-of-network” with your insurance that means that you will be responsible for paying us directly and will be charged our usual rates for therapy. However, as a courtesy we will be able to submit claims electronically to your insurance provider and you will receive reimbursement directly from your insurance provider for any out-of-network benefits you may have. Out-of-network benefits vary from plan to plan, but most plans have out-of-network benefits so it may be worthwhile to contact your insurance provider to learn more about your benefits.

Please note the following:

  • We are unable to verify your out-of-network benefits.
  • You are responsible for following up with your insurance provider regarding any claims related issues.

Paying Out-of-Pocket for Your Therapy

We understand that therapy can be expensive and that using insurance benefits can make treatment more affordable and thus more accessible. That said, there are times when paying out-of-pocket may either be necessary or simply preferred.


When using health insurance to pay for your therapy we are required to provide certain information to your health insurer. This information includes a psychiatric diagnosis. While we don’t want a diagnosis to be a barrier to treatment, we do understand that participating in therapy or counseling is a private matter and that many people prefer to maintain the utmost privacy. If you decide to pay out-of-pocket for your services you can rest assured that no treatment information will be released to anybody without your consent, unless legally mandated by law (i.e., mandated reporting requirements or when court ordered by a judge).

High Out-of-Network Deductible

If you find that your out-of-network benefits include a high deductible that you don’t think you’ll meet then it might make sense to preserve your privacy and elect to pay out-of-pocket. Paying out-of-pocket will also allow you to purchase therapy session packages (when available) which will allow more flexibility in your treatment options and lower your treatment costs.

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