Therapy Rates, Insurance, and Payment Information
Therapy Rates, Insurance, and Payment Information for Clients in Pennsylvania and Maryland
Understanding the financial aspect of therapy is an important part of beginning the therapeutic process. At HSM, we aim to provide transparency surrounding therapy rates, insurance participation, and payment expectations so clients can make informed decisions about their care.
We recognize that seeking therapy is both an emotional and financial investment, and we strive to make the process as clear and supportive as possible.
Current Therapy Rates
- 60-Minute Session.....................$130
- 90-Minute Session.....................$175
Prepare & Enrich Rate
(Self Pay Only)
- Initial Session..................$150
- Follow Up Session.......$120
- Discount Package Options Available
Immigration Evaluation Rate
(Self Pay Only)
- $1100
- Payment Plans Available
Insurance Plans Accepted
HSM Clinical Services is currently in-network with the following insurance providers:
- Cigna/Evernorth
- Aetna
- Lyra
- Compsych
- Health Advocates
Clients are encouraged to verify behavioral health benefits, copays, deductibles, and authorization requirements directly with their insurance provider prior to beginning therapy services.
Important Information About Using Insurance for Therapy
Insurance companies require therapists to provide specific clinical information in order for services to be covered. This includes:
- a formal mental health diagnosis,
- clinical documentation,
- and treatment plans that support medical necessity.
Because therapy billed through insurance is considered a medical service, sessions must focus on clinically significant symptoms, emotional distress, or functional impairment related to a diagnosable mental health condition. Therapy sessions must also be deemed medically necessary based on the severity of your symptoms. Your therapy will regularly review your presenting symptoms and provide feedback on your ability to use your insurance benefits to cover your therapy sessions.
Couple & Family Therapy Insurance Requirements
While many couples and families seek therapy for communication challenges, emotional disconnection, relationship stress, or relational growth, insurance companies generally do not cover therapy solely for relationship concerns without an associated mental health diagnosis
In order for couples or family therapy services to be billed through insurance:
- one identified client must typically receive a qualifying mental health diagnosis,
- and relational concerns addressed in therapy must be connected to symptoms or functional impairment related to that diagnosis.
Examples may include:
- anxiety impacting relationship functioning,
- depression contributing to communication difficulties,
- trauma affecting emotional connection,
- or stress-related symptoms impacting family dynamics.
If therapy goals are primarily focused on relationship enrichment, communication improvement, premarital counseling, or general relational growth without medical necessity, insurance coverage may not apply and services may be considered self-pay.
Private Pay Therapy
Many clients choose private pay services for a variety of reasons, including:
- increased privacy,
- greater flexibility in treatment goals,
- avoiding diagnostic requirements,
- or the ability to focus more broadly on relational growth and personal development.
Private pay therapy may allow greater freedom to explore concerns that are not always covered under insurance-based medical necessity requirements.
Good Faith Estimate
We understand that insurance and payment questions can sometimes feel overwhelming. If you have questions about rates, insurance participation, or payment options, we are happy to help guide you through the process and provide additional clarification when possible.