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Rates + Insurance

Private pay fees:

Initial assessment, 60 minutes: $175 

Individual therapy, 50 minutes: $145

Individual therapy, 40 minutes: $125

Individual therapy, 30 minutes: $100

Time of service discount:

Clients paying privately, without insurance, may request a 5-15% discount per session if they are experiencing financial hardship. 

Insurance: In-network

Acorn Therapy participates with the below commercial and state insurance plans. Therapist participation may vary depending on their license. 





BCBS (out-of-state plans)

First Choice Health Networks (not EAP)






Medicaid/Apple Health: Coordinated Care, CHPW. We are not able to bill Molina, United Community, or Wellpoint.

Medicare: We are not able to bill to Medicare or Medicare Advantage plans


For all other plans, we are considered an out-of-network provider (see below for using out-of-network benefits). 

Deductibles: Many insurance plans have deductibles and sometimes the deductible applies to mental health benefits, meaning clients are responsible for the full cost of the appointment (i.e., insurance covers $0 of the service) until they meet their deductible. Each insurance company sets their own appointment fees, which is what we charge to clients when they are responsible for 100% of the service cost. These fees are not the same as our private pay fees, or any other discounted service fees.


Financial hardship waiver: If clients are experiencing financial difficulties that mean they're unable to pay their deductible, copay, or co-insurance amounts, they can complete a hardship waiver form. Because we are generally required, by your insurance, to charge clients for their cost-share, these requests are reviewed to assess for genuine financial hardship before agreeing to waive client's share of the costs for services.

Insurance: Out-of-network

Many insurance plans have out-of-network (OON) benefits. Our practice partners with a billing platform that takes care of OON insurance billing for you, reducing your upfront cost of services. Please note that Medicare, Medicaid, Tricare, and some state marketplace plans do not have out-of-network benefit options.


If you'd like to find out about your OON benefits, we suggest contacting your insurance company with the following questions:

  • Does my plan include out-of-network coverage for mental health?

  • Is there an annual deductible for out-of-network mental health benefits? If so, how much of my deductible have I met?​

  • Is there a limit on the number of sessions my plan will cover per year? If Yes, How many?

  • Is there a limit on out-of-pocket expenses per year?

  • What is my co-insurance percentage for mental health services?

  • Does my plan require pre-authorization for psychotherapy?

  • Does my plan require a referral for psychotherapy?

Good Faith Estimate

Effective January 1, 2022, Congress passed the No Surprises Act as part of the Consolidated Appropriations Act of 2021. The NSA is designed to protect patients from surprise bills for emergency services at out-of-network facilities or for out-of-network providers at in-network facilities, holding them liable only for in-network cost-sharing amounts. The No Surprises Act also enables uninsured patients to receive a good faith estimate of the cost of care - the good faith estimate is relevant to outpatient mental healthcare.

Under the law, healthcare providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.​

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