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Fees

No surprises.
Real value.

Transparent pricing, full sessions, and no insurance involvement. Here's exactly what you can expect.

Private Practice

An investment in your
life and relationships

Enlight Counseling is a private pay practice. There is no insurance billing and no need for prior authorizations.

Working outside of insurance creates room for a different kind of care. The work can have the quality of structured, forward-focused engagement while retaining the clinical depth to address whatever arises beneath the surface. For many people, the freedom to approach this work without external constraints is reason enough.

While Enlight does not bill insurance directly, many clients are eligible for partial reimbursement through out-of-network benefits. Details on how this works, including superbill availability and procedure codes, are provided below the fee schedule.

Why Self-Pay Often Works Well

Insurance-based therapy operates within a framework that does not always serve the client. A diagnosis is required for billing. Treatment must fit within what a plan authorizes. Records become part of a shared system.

Paying privately means the relationship is direct. No diagnosis required, no plan reviews, no third-party access to what occurs in your sessions.

For many clients, particularly those navigating sensitive personal, professional, or family matters, that privacy is worth protecting.

Fee Schedule

What it costs

Service Duration Fee
Initial Consult
A no-obligation call to discuss fit and answer questions
 20 min No charge
Session
Individual, couples, or relational work
 60 min $250
Extended Session
When additional time serves the work — often recommended for couples
 90 min $375
Half-Day & Full-Day Sessions
Extended blocks with flexible scheduling
 Flexible $125 / 30 min
In-home sessions include travel to your location. Mileage is charged at the rate of $1.00 per mile and is billed in addition to the session fee. Therapy intensive pricing is individualized based on format, duration, and setting — see the Intensives page for details.

Your Legal Right

Good Faith Estimate

Under the No Surprises Act, a Good Faith Estimate of anticipated costs is provided to all self-pay clients before services begin. Because mental health treatment varies in length and frequency, the estimate reflects a range of anticipated sessions for the coming year rather than a fixed number. It is not a contract and does not commit you to a predetermined course of care.

The estimate is provided through the client portal as part of the intake process and renewed annually. If your actual billed charges exceed the estimate by $400 or more, you have the right to dispute the bill.

For more information about your rights under the No Surprises Act, visit cms.gov/nosurprises.

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Payment Due at Session

Payment is due at the time of service. Major credit cards and debit cards are accepted, as well as HSA and FSA cards where the account permits payment for mental health services.

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Cancellation Policy

Your scheduled session reserves time held exclusively for you. Cancellations within 48 hours and no-shows are charged the full session fee.

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HSA & FSA Accounts

Sessions with a licensed therapist typically qualify as a reimbursable medical expense. If you are unsure whether therapy services are eligible under your account, your plan administrator can confirm.

Insurance & Reimbursement

Out-of-network benefits

While Enlight does not bill insurance directly, you may be eligible for partial reimbursement through your plan's out-of-network benefits. Many PPO and some other plan types include out-of-network mental health coverage: you pay the full session fee at the time of service, then submit documentation to your insurer to request reimbursement.

That documentation is called a superbill. It is a detailed receipt that includes everything your insurance company needs to process a claim: provider credentials, session date, a diagnosis code, a procedure code, and the amount paid. Superbills are available upon request.

More details ⌄
  • Individual therapy sessions are billed under CPT code 90837. Couples and relational sessions are billed under CPT code 90847.
  • If you choose an extended 90-minute session, your superbill will reflect the same procedure code used for a standard session. Insurance companies generally reimburse at the rate for the standard session and are unlikely to provide additional reimbursement for the extended time.
  • To find out whether your plan includes out-of-network mental health benefits, call the member services number on the back of your insurance card and ask: Do I have out-of-network mental health benefits? What is my out-of-network deductible, and has it been met? What percentage of the allowed amount will be reimbursed after the deductible?

Ready to Begin?

Questions about fees?
Just ask.

Reach out and I'll respond, generally within one business day.

Request a Consult
218.514.4415