Fees & Insurance
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We understand that therapy requires both a time and financial commitment. You can consider therapy to be an investment in your future – a commitment to your happiness and growth. Therapy can be incredibly effective and well worth the investment. We will equip you with the tools to navigate challenges and make your journey to personal growth well worth it!
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How much does a therapy session cost?
Individual & Couples Therapy
Matching you with the perfect therapist is our top priority. Our rates for an individual 50-minute session with our therapists are $170 and up depending on the therapist you work with. Our rates for couples therapy are $195 and up depending on the therapist you work with.
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Low-Cost Therapy
We also offer low-cost therapy to make getting support more accessible. Our low cost rate is $100 for individual therapy and $125 for couples therapy.
Out-of-Network Provider
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At Pacific Behavioral Healthcare (PBH), we are considered an out-of-network provider. To support our clients with insurance reimbursement, we are happy to provide you with a monthly statement (called a Superbill), which you can submit to your insurance provider for possible reimbursement of out-of-network benefits. We have found that many insurance plans will reimburse 40%-80% of the cost of out-of-network therapy.
Why doesn't Pacific Behavioral Healthcare accept insurance?
By remaining out-of-network, PBH empowers you to prioritize your privacy and personalize your therapy journey. We can still help you explore insurance reimbursement options, and offer additional financial resources if available.
We prioritize your privacy and access to quality care which is why we operate as an out-of-network provider. This has several benefits to our clients. First, you get to choose the therapist who best fits your needs, without needing referrals or pre-authorizations. Second, you can focus on your healing at your own pace. Unlike some in-network plans, we don't limit the number of sessions you can attend. Finally, In-network providers may be required to share your treatment information with insurers, which might impact your privacy. This way you can prioritize keeping your medical history and diagnoses completely confidential if you choose.
How do I benefit from working with a specialist?
We believe you are best served by working with a therapist who is a specialist. Working with a specialized clinician, as opposed to a generalist has many benefits. You can maximize your financial resources because you will receive targeted, effective treatment from a highly skilled and knowledgeable therapist without having to work with a therapist who may not treat your presenting concerns as often as a specialist does. You can therefore gain results faster and experience relief sooner which can save you time spent in therapy in the long-run.
Payment Options
We make paying for therapy simple. Schedule your session and securely store your preferred payment method for automatic billing after each session.
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We accept credit cards, cash, check, Health Savings Accounts and Flexible Spending Accounts as payment options.
Helping Our Clients Obtain Reimbursement for Out-of-Network Benefits
We encourage you to maximize your out-of-network insurance benefits. Many insurance plans have out-of-network mental health coverage, and you can be reimbursed a portion of the therapy fee.
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To determine your out-of-network mental health coverage, you can call your insurance provider and ask the following questions:
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What are my out-of-network-mental health benefits?
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What is the coverage amount per therapy session?
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What is my deductible for out-of-network mental health services?
Good Faith Estimate
Depending on insurance usage, individuals may have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance at all an estimate of the bill for medical items and services. ​
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You will receive detailed information about the cost of your therapist session in the Disclosure Statement you sign at the beginning of therapy.
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Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
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If you are not using insurance and you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
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Make sure to save a copy or picture of your Good Faith Estimate.
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For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises