A Note on Access & Care
This model is built on:
Trust
Shared responsibility
Clinical sustainability
Respect for autonomy
No one is asked to prove hardship or justify their needs.
At Undertone Counseling, we believe mental health care should be ethical, affirming, and accessible, while also being sustainable and grounded.
Access to therapy is shaped by more than motivation or effort. Systemic factors, such as racism, ableism, immigration status, gender inequity, chronic illness, caretaking labor, and generational wealth, impact people’s access to financial resources in real ways.
Rather than assuming everyone starts from the same place, I offer a tiered private-pay rate structure alongside insurance-based care through Headway, allowing clients to choose the option that best fits their current circumstances.
How Pricing Works
My fees vary by service type based on the level of clinical intensity, training, and preparation involved.
Clients choosing private pay are invited to select a tier based on their current access to financial resources.
Tier Overview (Applies to All Services)
Solidarity Rate (100–110%)
For clients with consistent income, savings, and financial safety nets. Choosing this rate helps support access-based slots.Standard Rate (80–95%)
For clients who meet their needs but budget carefully and experience financial constraints.Access Rate (60–75%)
For clients experiencing financial strain or systemic barriers impacting income or stability. Availability is limited.Community Care (40–55%)
Very limited, time-limited reduced-fee spots for acute financial hardship.
No documentation is required, and clients are not asked to justify their choice.
-
Full Fee: $225
Solidarity: $225–250
Standard: $180–215
Access: $135–170
Community Care (limited): $80–125
Individual therapy focuses on personal growth, healing, insight, and symptom management within an individual therapeutic relationship.
-
Full Fee: $250
Solidarity: $250–275
Standard: $200–235
Access: $150–185
Community Care (very limited): $100–135
EMDR therapy is a specialized, trauma-focused modality that requires advanced training, structured preparation, and careful pacing. Due to the intensity of this work, access-based rates for EMDR sessions may be more limited.
If you’re unsure which option is best for you, we can talk it through together or you can use the questionnaire below to assist in identifying the pay structure best suited for you.
Using Insurance
I accept several insurance plans through Headway, including Aetna, Anthem Blue Cross Blue Shield, and Cigna. Headway handles verification, billing, and claims.
If you choose to use insurance:
Your session cost is determined by your plan (copay, deductible, or coinsurance)
Rates are set by the insurance provider and are not adjustable
Headway will verify benefits prior to your first session
Insurance-based care and private-pay care receive the same quality of clinical attention.
Out-of-Network
Paying privately? I can provide a superbill for possible out-of-network reimbursement. Reimbursement depends on your plan and is the responsibility of the client.
Choosing Your Rate
I invite you to choose the rate that best reflects your current access to financial resources, not how hard you work, how much stress you carry, or how “deserving” you feel.
No documentation required
No explanations needed
No judgment
Rates are not permanent labels. If your circumstances change, we can revisit your rate together.
A Note on Sustainability
To provide consistent, ethical care, the number of reduced-fee spots in my practice is limited. When those spaces are filled, I may offer a waitlist or referrals to trusted clinicians and community resources.
Caring for clients well requires caring for the sustainability of the practice.
Ready to Get Started?
If you’d like to move forward or have questions about:
Private pay vs. insurance
Current availability
Choosing a service type
You’re welcome to reach out.
Your Right to a Good Faith Estimate
You have the right to receive a "Good Faith Estimate" explaining how much your care will cost. Under the law, health care providers need to give patients who don't have insurance or who are not using insurance an estimate of the bill for services.
— You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency services, including related costs.
— Make sure your provider gives you a Good Faith Estimate in writing at least 1 business day before your service. You can also ask for one before you schedule.
— If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. — Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information, visit www.cms.gov/nosurprises or call 1-800-985-3059.