Fee + Policy
At Mind + Full Therapy, we specialize in private pay (self-pay) counseling because it offers significant advantages for your mental health care:
Greater Privacy and confidentiality:
No required mental health diagnosis on permanent insurance records
No treatment details shared with insurance companies
Complete control over your health information
Full Autonomy on Your Care:
No session limits or restrictions (set your own pace)
Choose the therapy approach that works best for YOU (not with insurance covers)
Flexible scheduling without insurance authorization delays
Higher Quality of Care:
More time per session (standard 50-60 minutes vs. insurance’s 45 min limit)
Focus on personal growth and prevention (not just “medically necessary” treatment)
Work with specialists (not limited to in-network providers)
Streamlined Experience:
No co-pays, deductibles, or surprise bills
Simple flat-rate pricing
Many clients successfully use HSA/FSA accounts
Rates
Mind + Full Therapy private pay (HSA/FSA accepted).
50 min Individual sessions-$150
50 min Couples sessions- $170
At Mind + Full Therapy we recognize that many people want extended sessions, especially when doing deep processing work with specific modalities such as EMDR, Brainspotting, and ART. Therefore, we offer extended service rate to accommodate this need:
90 min Session-$225
120 min (2 hours)- $280
Using HSA/FSA Funds for Private Pay Therapy
Many clients don’t realize they can use pre-tax health savings accounts to pay for therapy. Here’s how it works at Mind+Full Therapy:
Pay upfront for sessions using your debit/credit card
Receive a superbill (detailed receipt) after each session
Submit to your HSA/FSA for reimbursement
*Many clients get 70-100% reimbursement through their HSA/FSA- making private pay therapy equally affordable as insurance*
Cancelation Policy
We have a 24-hour cancellation policy. Clients who don’t give 24 hours notice for cancellation will be charged their regular session fee.