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Rates + Insurance

General & customary private pay fees:

Initial assessment, 60 minutes: $170 

Individual therapy, 50 minutes: $145

Reduced private pay rates and discounts:

We offer reduced private pay, sliding scale, and time of service discount options to help increase access to care. The particular sliding scale fee or discount a client may qualify for is based on gross (pre-tax) income level and household size.


Please note that we cannot bill to in-network insurance and simultaneously provide a reduced, sliding scale, or discounted fee. If clients have in-network insurance but wish to utilize a private pay or sliding scale fee, they will need to complete insurance opt-out paperwork prior to any appointments taking place.

Reduced private pay fee, associate clinician: 

Initial assessment, 60 minutes: $125 

Individual therapy, 50 minutes: $110

Sliding scale: We keep three sliding scale spots on our caseload for each clinician. Our sliding scale fees range between $50-$95 and are set to allow for fair distribution of discounted services.

Time of service discount: Private pay clients may request a 5-15% discount per session of our full general fee.

Insurance: In-network

Acorn Therapy participates with the below insurance plans; however, individual provider participation may vary by insurance. Each clinician's profile lists which insurance they can accept as in-network providers.





BCBS (out-of-state plans)

First Choice Health Networks (not EAP)


Kaiser PPO (not HMO)






For all other plans, we are considered an out-of-network provider.

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 law, 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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