Therapy Pricing

  • Scenic landscape of a lake with mountains in the background and rolling hills in the foreground under cloudy sky.

    Virtual Sessions

    Online

    $225 Out of Pocket / Not Using Insurance

    Insurance Accepted in Network -

    Aetna, Blue Cross Blue Sheiled PPO, Cigna, United Healthcare

  • Scenic view of distant mountains through a forest with tall evergreen trees and a grassy clearing in the foreground.

    In Person

    Walk, Talk, Stroll or Roll

    $225 Out of Pocket / Not using Insurance

    Insurance Accepted in Network -

    Aetna, Blue Cross Blue Sheiled PPO, Cigna, United Healthcare

  • Hands forming a heart shape with a blurred outdoor background.

    Virtual Sessions Discounted Rate

    $100/session

    Please send us a message for more information.

We Accept Most Insurance

Our practice is currently in-network with the following insurance:
Aetna
Blue Cross Blue Shield
Cigna *until December 1, 2026
United Health Care, Surest, Optum

Insurance not listed? We work with you to use your out of network benefits to help you utilize all of your benefits. Many of our clients receive up to 70% reimbursement after they reach the deductible.

An actual client scenario:
Therapy fee paid to Therapist = $210
Insurance reimbursment to client = $147
Your therapy cost after reimbursement = $63

I made a video on how to use Mentaya to submit your claims (they charge a fee). Check it out to learn how to use your out of network benefits and get the most from your out of network health insurance.
Many insurance health portals also offer a free option to upload your paid receipts to request reimbursement for your mental health counseling.

How to get the most from your health insurance benefits and use them to pay for nearly all of your mental health therapy.






We partner with Mentaya- The video above is a quick run through of how to use this service to maximize your reimbursements from your health insurance benefits.
Re-watch here: How to use your Out of Network insurance benefits video!

Out of Network:

Most health insurance policies will reimburse up to 70-80% when you choose an out of network provider for mental health therapy. Don’t want to hassle with calling the insurance company to figure it all out? We get it. Let Mentaya do the legwork and contact them on your behalf. Note: They charge a small percentage for these services usually 5%.

With their “Benefits Checker” you can quickly see

  • Do I have out of network (OON) benefits included in my health insurance plan?

  • What is the deductible for out of network (OON) benefits?

  • What percentage will insurance reimburse me for mental health therapy?

  • When will I receive the payment?

Disclaimer: We do not receive any benefits from the partnership but you do!

We have a step-by-step guide to using Mentaya- Check it out here!

No Surprises Act - Effective January 1, 2022

As a client of Past and Present Therapy, LLC, you will be utilizing a private pay/out of network service. It’ is possible your therapy will be at a higher rate than you would pay using an in-network provider.  As part of your intake paperwork, you will be asked to review our No Surprises Act disclosure form, to acknowledge that you are choosing not to use an in-network provider, and that you understand you are agreeing to pay the higher rate. Additionally, we will provide an annual estimate of costs for your therapy so there are “No surprises” to you.

 

Therapy is an investment in your health and  the choice to use an out of network provider is more expensive. However, there are many added benefits

  • More privacy.

  • More autonomy, you control your therapy not insurance companies.

  • More highly specialized Therapists.