Rates & Insurance
Therapy Rates & Insurance
Invest in your emotional well-being with therapy that honors your growth.
Understanding the Value of Therapy
Starting therapy is one of the most meaningful investments you can make in yourself. At Inward Healing Therapy, we believe healing is not just about reducing symptoms, but it’s about transforming the way you relate to yourself and others.
Whether you’re working on anxiety, depression, anxious attachment, or emotional regulation, therapy provides you with practical tools and emotional insight that can change how you experience life. When you view therapy as an investment rather than an expense, you give yourself permission to heal and grow without limitation.
Our Current Rates
We believe that everyone deserves access to quality therapy tailored to their unique needs. Our session rates vary depending on the type of counseling and therapist you work with.
- Individual Therapy (50 minutes): $175–$200 per session
- Associate Therapists (under supervision): $150 per session
- Clinical Supervision or Consultation: Available upon request
Sessions are typically held weekly to support consistent progress, though frequency can be adjusted as you move forward in your healing journey.
Why We Choose to Be Private Pay
People may wonder why Inward Healing Therapy operates outside of insurance networks. The answer is simple: we want you to have freedom, privacy, and personalized care without the limitations imposed by insurance companies.
When you use insurance, your therapist is required to diagnose you with a mental health disorder to justify your care. That diagnosis becomes part of your permanent health record and can sometimes impact future insurance or employment opportunities.
Private pay allows us to focus on your unique goals rather than fitting your healing into a medical model. It also ensures:
- Complete privacy and confidentiality without required reporting to insurance.
- Freedom to choose your therapist based on connection, not network restrictions.
- Flexibility in session length, frequency, and treatment approaches.
- Tailored treatment that honors your emotional pace and depth, that is not dictated by insurance limitations.
When you invest privately in therapy, you’re choosing autonomy and long-term healing over quick fixes and high turnover.
Using Out-of-Network Benefits
If you have PPO insurance, you may be eligible for partial reimbursement of therapy costs through your out-of-network benefits.
Here’s how it typically works:
- You pay for your sessions directly.
- We provide a monthly superbill that includes all the details your insurance provider needs.
- You submit the superbill to your insurance company for reimbursement.
Each provider and plan varies, but many clients are reimbursed between 40–80% of the session fee.
You can check your benefits by calling your insurance provider and asking:
- “Do I have out-of-network mental health coverage?”
- “What percentage is reimbursed for individual therapy?”
- “Do I have a deductible I need to meet?”
Simplify the Process with Mentaya
We understand that dealing with superbills can feel overwhelming. That’s why Inward Healing Therapy has partnered with Mentaya, a secure platform designed to make reimbursement easy and stress-free.
Mentaya is perfect if you:
- Have out-of-network benefits
- Feel overwhelmed by the superbills paperwork
- Have submitted superbills but failed to get reimbursement
- Simply want to skip the hassle of dealing with insurance altogether
Here’s how it works:
- Sign up for Mentaya
- Our practice enters your sessions into the platform
- Mentaya submits the claim and handles any insurance follow-up
- You get reimbursed directly by your insurance company
Mentaya charges a 5% fee per claim, which includes handling all required paperwork, managing claim denials, and contacting insurance companies on your behalf.
This service allows you to continue receiving high-quality, private therapy while still getting the financial benefits of your insurance without the administrative stress.
Please provide your insurance information in the benefits checker which is located below to instantly see if you have any “out-of-network” funding for mental health, what your deductible would be, and what percentage of the session is covered.
The Real Cost of Therapy: A Reframe
It’s easy to focus on the hourly rate, but therapy is not a simple transaction; it’s a long-term investment in your emotional well-being. Consider what unresolved stress, burnout, or unhealed trauma may be costing you in other areas:
- Constant anxiety that affects your focus and sleep
- Relationship conflicts that leave you feeling depressed
- Work stress that drains your motivation or confidence
- Physical symptoms from emotional exhaustion
When you work with a skilled therapist, you’re not just paying for 50 minutes of conversation — you’re investing in peace of mind, emotional regulation, self-trust, healthier relationships, and finally letting go of the weight of the past so you can be your ideal self.
Affordable Options
We understand therapy is a financial commitment. That’s why we offer several options to make care accessible:
- Reduced rates with associate therapists
- Out-of-network reimbursement support through Mentaya to simplify insurance claims
Why Clients Choose Inward Healing Therapy
- Expertise: Our therapists specialize in the deep healing that will bring you closer to your highest self and more connected to the life you know you are meant to live.
- Warm, collaborative approach: You’ll feel supported, seen, and guided, not judged.
- Empowerment: We help you develop emotional maturity, stronger communication, and self-compassion so therapy becomes a lifelong resource, not a dependency.
- Virtual flexibility: We offer online therapy for California residents who want high-quality care from the comfort of home.
Expertise
Our therapists specialize in the deep healing that will bring you closer to your highest self and more connected to the life you know you are meant to live.
Warm, collaborative approach
You’ll feel supported, seen, and guided, not judged.
Empowerment
We help you develop emotional maturity, stronger communication, and self-compassion so therapy becomes a lifelong resource, not a dependency.
Virtual flexibility
We offer online therapy for California residents who want high-quality care from the comfort of home.
Getting Started
If you’re ready to invest in therapy that values your growth, privacy, and freedom, we’re here to support you.
Book a free 20-minute consultation to discuss your goals, learn about our rates, and explore how therapy can help you live with more clarity and ease.
Your emotional well-being is worth it, and we’ll help you every step of the way.
Not ready to book a consult just yet? Fill out our contact form and we’ll answer your questions asap. We look forward to hearing from you.
Phone: (408) 516-0363
Email: hello@inwardhealingtherapy.com
If you have any further questions, feel free to check out my FAQ page for more information.