Couples Therapy
And Insurance
Invest in Your Relationship Today
Choosing couples and marriage counseling is a profound step toward a healthier, more fulfilling relationship. I am here to provide the highest level of care without compromise.
1. Not all Therapists are Couples Therapists
Couples counseling can be demanding work and requires a unique skill set. Most couples therapists who accept insurance for couples therapy are not trained in couples therapy which makes it quite difficult to get the results you want. The result is that change sometimes doesn’t happen or takes longer, the therapist tries to teach you relationship skills to the parts of you that cannot and will not use them. The end result is the partners give up because they are frustrated because they don’t see change because weekly, 50 minute sessions are not therapeutic enough to do the work.
I am trained in Relational Life Therapy and pursuing my certification which is a 2 year intensive program and hundreds of hours of couples therapy sessions.
Couples therapists must protect both parties’ well-being, continually check their biases, and draw upon complex research in numerous fields. Health Insurance companies are notorious for limiting and curtailing the length and type of counseling clients deserve, which impacts the caliber of care a couples therapist can provide you.
In the past my clients have gotten frustrated with the insurance limits of weekly, 50 minute sessions. “Richie, by the time we get to some core issues, the session is up and it is frustrating to have to leave when we feel like we are just getting started”. Using insurance in couples work drags the healing process on and couples become frustrated “It is taking too long”.
When you work with a trained couples therapist. The process is more effective, efficient that creates faster change that lasts which means you are out of therapy sooner so you can get back to living your life not spending hours, months and years in an therapy office.
I offer superbills for you to submit for reimbursement and do offer several scholarships a year for couples that need the support.
2. Protecting Your Privacy and Confidentiality
When you use insurance for mental health services, your private information is often shared with the insurance company. This includes details about your treatment, session notes, and potentially even a diagnosis. For couples and marriage counseling, these requirements can feel invasive. By not accepting insurance, I ensure your relationship struggles and personal growth remain confidential and secure.
3. Avoiding Diagnosis Requirements
Insurance companies typically require a formal mental health diagnosis to approve coverage for therapy. Couples counseling is focused on improving your relationship, communication, and emotional connection—not treating a specific mental illness. I believe therapy should be accessible without forcing one partner into a medicalized framework that may not apply to your situation.
4. Tailored Care Without Limitations
Insurance often imposes restrictions on the type, length, and frequency of therapy sessions. These limitations can interfere with the effectiveness of couples counseling. By working outside of the insurance system, I can focus entirely on creating a customized treatment plan that meets your unique needs, not the requirements of a third party.
5. Transparent Pricing and Investment
I understand that therapy is an investment in your relationship and future. Without insurance dictating costs or coverage, I provide transparent pricing upfront, allowing you to plan and budget accordingly. This eliminates unexpected denials or out-of-pocket surprises from insurance companies.
6. Commitment to Quality Over Quantity
By not accepting insurance, I prioritize quality care over high-volume scheduling. This ensures that every session receives my full attention, providing the space and time needed to address deep issues, strengthen your bond, and foster lasting changes in your relationship.
7. Alternatives for Managing Costs
While I don’t accept insurance, many clients use Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs) to pay for therapy. Additionally, I am happy to provide a superbill for clients who wish to seek reimbursement directly from their insurance provider, depending on their plan’s out-of-network benefits. (See more information below)
What does it mean to be out-of-network?
“Out-of-network” means that we are not contracted with your insurance company and will not submit bills on your behalf to your insurance company.
What does that look like when it comes to paying for sessions?
Any couples with out-of-network plans are required to pay out-of-pocket for sessions at the time of the session.
How much will my insurance company reimburse me for our sessions?
Reimbursement is based on your specific insurance plan. Please check with your insurance company directly to obtain specific reimbursement information.
How do I request obtaining special OON coverage if I have a managed care plan?
You can submit a request for out-of-network (OON) coverage directly to your insurance company.
What do I say to my health insurance in asking for OON coverage?
Ask your health insurance if they will cover family therapy OON.
You should also inform your insurance company that there is currently a shortage(national and local) of couples therapists and that you need to seek OON coverage due to the specialized nature of marriage and family therapy and that there are no comparable (and available) services in your area that are in-network
What is the out-of-pocket fee for sessions?
My standard standard fee is $275 for a 90 minute session or $225 for a 50 minute session.
How do I submit for OON coverage?
I will provide you with a superbill at the end of each session. You then submit those superbills to your insurance company.
What is a Superbill?
A Superbill, also known as a Statement for Insurance Reimbursement, is a document the therapist provides to their client for insurance reimbursement. This document is similar to a statement but includes additional information like CPT codes and a client’s diagnosis code(s). client DOB, the amount charged and payments received.
What do I do with it?
Once you receive your Superbill you can send it directly to your insurance company (please contact your insurance company about how this process works).
If you have questions about my services or payment options, please don’t hesitate to contact me. Let me help you strengthen your connection, one session at a time.