Investing in specialized perinatal mental health support is one of the most important things you can do for yourself and your family. Here's exactly what it costs, what insurance covers, and how to make it work financially — whatever your situation.
All sessions are conducted virtually via HIPAA-compliant video — no commute, no childcare logistics, just specialized support from wherever you are in Texas, Colorado, Florida, Illinois, or Ohio.
Texas clients: BCBS and UnitedHealthcare accepted. Copays and deductibles apply per your plan. Self-pay also welcome.
Colorado, Florida, Illinois & Ohio clients: Self-pay only. Superbill provided for out-of-network reimbursement — many PPO plans cover 50–80% of costs.
Payment is due at the time of service. Credit card, HSA, and FSA accepted.
Insurance coverage depends on which state you're located in. Here's a clear breakdown so you know exactly where you stand before your first session.
If you're located in Texas, I accept BCBS (Blue Cross Blue Shield) and UnitedHealthcare directly. Your copay and deductible apply per your plan. I'll verify your benefits before your first session so there are no surprises. Self-pay is also welcome for Texas clients who prefer it.
For clients outside Texas, I am self-pay only — meaning you pay the session fee directly. However, I provide a detailed superbill after each session that you can submit to your insurance for out-of-network reimbursement. Many PPO plans cover 50–80% of out-of-network therapy costs. See below for exactly how this works.
If you're outside Texas or have insurance other than BCBS or UHC, you may still be able to get a significant portion of your therapy costs reimbursed. Here's exactly how it works.
Before your first session, call the member services number on the back of your insurance card and ask about your out-of-network (OON) mental health benefits.
Ask specifically about your OON deductible, reimbursement percentage, and whether telehealth is covered. See below for the exact questions to ask.
You pay the full session fee ($165 or $200) at the time of your appointment via credit card, HSA, or FSA.
After each session, I provide a detailed superbill — a receipt with all the billing codes your insurance needs to process your claim.
Submit the superbill to your insurance company online, by mail, or through your insurer's app. Most plans process claims within 2–4 weeks.
Your insurance mails or deposits your reimbursement check directly to you. Many PPO plans reimburse 50–80% of the session cost once your OON deductible is met.
Call the member services number on the back of your card and ask these specific questions — write down the answers and the name of the representative:
Ask them:
If your plan has OON benefits, the process is straightforward. If you have questions about your superbill or the submission process, I'm happy to help walk you through it.
Payment is due at the time of service. All of the following are accepted:
The cost of therapy can feel significant. But consider what it costs to keep going as you are — the sleep you're losing, the relationships being strained, the moments of motherhood you're missing because anxiety, grief, or OCD is in the way.
Specialized care works faster and more effectively than general therapy for perinatal conditions. Most clients see meaningful improvement within 8–12 sessions. The investment is real — and so is the return.
Perinatal anxiety, OCD, and pregnancy loss require a therapist trained specifically for them. General therapy is slower and less effective for these conditions.
Self-pay and OON clients get full flexibility on session length, frequency, and approach — no insurance company deciding what you need.
Self-pay therapy doesn't create an insurance record. Your diagnosis stays between you and your therapist — not your insurer.
Therapy is a qualified medical expense. If you have an HSA or FSA, you can use pre-tax dollars — effectively reducing the cost by your tax rate.
For Texas clients, I accept BCBS and UnitedHealthcare directly. For clients in Colorado, Florida, Illinois, and Ohio, I am self-pay only — but I provide a superbill after each session so you can submit to your insurance for out-of-network reimbursement. Many PPO plans cover 50–80% of out-of-network therapy costs once your deductible is met.
A superbill is a detailed receipt for therapy services that includes all the billing codes your insurance company needs to process an out-of-network claim. After each session, I'll provide one for you. You then submit it to your insurance company — either online through your insurer's portal, by mail, or through their app. Your insurance reviews it and sends reimbursement directly to you, typically within 2–4 weeks.
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 OON deductible and reimbursement percentage for outpatient mental health?" Most PPO plans have OON benefits; HMO plans typically do not. Once you know your OON deductible and reimbursement rate, you can calculate what your effective cost per session will be once the deductible is met.
Yes — therapy is a qualified medical expense under both HSA and FSA rules. You can use your HSA or FSA card to pay for sessions directly. This is one of the easiest ways to reduce the out-of-pocket cost of therapy, since you're using pre-tax dollars. If your card doesn't process automatically, I can provide a receipt for manual reimbursement through your HSA or FSA administrator.
Payment is due at the time of service for all self-pay clients. For insurance clients, your copay is due at the time of service; I handle billing your insurance directly. I accept credit card, HSA, and FSA — all processed securely through my client portal.
I ask for at least 24 hours notice for cancellations or rescheduling. Late cancellations and no-shows may be charged the full session fee. I understand that life with a newborn or during pregnancy is unpredictable — if something comes up, please reach out as soon as possible and we'll work it out.
Your free 15-minute consultation is the first step — no cost, no commitment, no forms to fill out before we've even talked.