Payment & Accessibility

Therapy should feel supportive from the start—including how you pay for it.

I’ve created this page to make the payment process feel approachable, transparent, and tailored to your needs. Whether you’re planning to use a credit card, tap into HSA/FSA benefits, or request a superbill for insurance reimbursement, I’ll walk you through each option. If you’re unsure what your insurance might cover, see below for detailed steps on how to find the information.

Therapy should feel accessible. I offer a limited number of sliding scale spots for clients navigating financial hardship. If pricing creates a barrier, I invite you to reach out—we’ll explore what’s possible together with care and honesty.

My goal is to help you feel informed and empowered, so you can focus on what really matters—you and your care.

Payment Options

All payments are securely processed through SimplePractice. This is a HIPAA compliant and encrypted platform to securely manage your personal and payment information.

Setting Up Your SimplePractice Portal
Once you schedule your first appointment, you’ll receive an email invitation to create your SimplePractice account. This secure portal is where you’ll fill out intake forms, manage sessions, and make payments.

Setup is quick—just follow the link, create a password, and you’ll be guided through the steps.

Accepted Payment Forms

  • All major credit cards

  • HSA/FSA cards

  • Link by Stripe

  • Debit cards

Appointment Price and Length Options

I offer sessions ranging from 45 to 90 minutes, depending on your needs and the type of therapy. Rates reflect session length and the depth of care involved. If you’re unsure what format fits best, we can discuss it together.

Individual

45 minutes $165

55 minutes $180

75 minutes $200

Family

55 minutes $210

75 minutes $235

90 minutes $255

Couples

55 minutes $230

75 minutes $255

90 minutes $275

 Using Out-Of-Network Benefits

  • A superbill is a special receipt that includes all the information your insurance company needs to consider reimbursement, even if I am an out-of-network provider. It’s not a guarantee, but it allows you to request partial coverage after you’ve paid for sessions privately.

  • If your plan includes out-of-network benefits, you might be eligible for partial reimbursement after therapy. Submitting superbills can help lower your overall cost while allowing you to work with a therapist who feels like the right fit and not just one on your insurance list.

    Some clients submit superbills monthly, while others do it quarterly or yearly—it’s entirely up to you.

  • Each superbill includes:

    • Your name and date of birth

    • My practice name, Threadwell Therapy

    • My contact information

    • Dates of service and session details (with CPT codes)

    • Amount paid for each session

    • Diagnosis codes (required by insurance)

    • My National Provider Identifier (NPI) and license number

    This helps your insurance evaluate whether they’ll reimburse you for out-of-network care.

  • Here’s how to get started:

    1. Request a superbill from me (typically monthly).

    2. Submit it to your insurance, usually through their website or your member portal.

    3. Wait for processing and possible reimbursement.

  • Not necessarily. Every plan handles out-of-network claims differently, and reimbursement depends on your individual plan.

    • Do I have out-of-network mental health benefits?

    • Is therapy with a licensed professional out-of-network reimbursable under my plan?

    • Do I need a referral or pre-authorization to work with an out-of-network therapist?

    • What percentage of therapy fees is typically reimbursed?

    • Is there a deductible I need to meet first? If so, how much is remaining?

    • Where and how should I submit superbills? Is there an online portal or a mailing address?

    • Is there a specific form I need to include with my superbill submission?

    • How long does reimbursement usually take once I submit documents?

    • Are there any limits on the number of sessions reimbursed per year?

  • It depends on your insurance plan. Most insurance companies only reimburse for therapy when one person is diagnosed with a mental health condition and is considered the “identified client.” Because couples therapy focuses on the relationship and not an individual diagnosis, it’s often not covered.

    If a superbill is requested for reimbursement purposes, one partner must be identified as the primary client and given a mental health diagnosis. This changes the nature of the work: documentation, treatment goals, and clinical focus must then center on that individual—not the couple as a whole. Only the identified client would have access to the records, and the relationship itself is no longer the central focus.

    Because of these limitations, many couples choose to pay privately to keep the work truly centered on their relationship. I’m happy to talk through what might be the best fit for you.

Therapy is an investment—in your wellbeing, your growth, and your capacity to move through life with greater clarity and connection. I’m committed to making this work accessible while honoring its depth and value.

If you're hoping to use out-of-network benefits, the best place to start is by calling the Member Services number on the back of your insurance card. Plans vary, but many offer partial reimbursement for therapy with licensed providers.

However you choose to pay, my goal is for this space to feel supportive, transparent, and aligned with what matters most to you.