Our Therapy Fees
At Behavioral Health Direct, we understand that the cost of therapy is an important consideration, and we’re committed to offering transparent pricing and flexible payment options. While we do not accept insurance, many of our clients use their out-of-network benefits to make therapy more affordable. Our private pay model gives you the freedom to choose a therapist with a higher standard of care who meets your needs best, and who is available and communicative when you need it most. We value the strong relationships we create with our clients and look forward to working together.
our fees
- Standard Therapy Sessions: $220 (45 minutes/billing code 90834)
- Initial Appointment: $290 (60 minutes/billing code 90791)
We also offer a sliding scale for clients who qualify. Please contact us to discuss available options.
Can I Use My Insurance?
Yes! Many clients successfully use their out-of-network benefits to offset therapy costs. Here’s how:
- We Provide Superbills: You’ll receive a detailed invoice after each session to submit to your insurance company.
- Check Your Coverage: Many plans reimburse 50-80% of the session cost. Contact your provider for information about reimbursement rates for out-of-network therapy. Coverage typically depends on your deductible (the amount you must pay before reimbursement begins) and the allowed amount (the maximum your insurer will cover).
- Use HSA/FSA Funds: You can also pay for therapy using Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA). These accounts allow you to use pre-tax dollars for qualifying healthcare expenses, including therapy.
Reviews and Testimonials
Why Choose Out-of-Network Therapy?
We believe mental health care should prioritize your needs—not insurance company restrictions. Here’s why investing in out-of-network therapy can lead to better outcomes:
1. Immediate Access to Care
- No waitlists—begin therapy when you’re ready.
- Flexible scheduling for in-person sessions in Baltimore or online therapy throughout Maryland.
2. Choose a Therapist Who Specializes in Your Needs
- Work with a therapist who specializes in the issues that matter to you most, such as anxiety, OCD, stress, or relationship challenges.
- Find someone you can relate to and feel comfortable with, ensuring a strong and supportive therapeutic relationship.
3. Individualized, Evidence-Based Treatment
- Treatment is intentional, collaborative, and focused on your goals, not limited by insurance policies.
Benefit from expertise in proven approaches like CBT, ACT, and ERP designed to help you overcome the challenges you face.
4. Transparent and Predictable Costs
- No hidden fees or surprise bills—you’ll know the full cost upfront.
- Use your insurance’s out-of-network reimbursement to make therapy more affordable.
5. Long-Term Value and Results
- Effective, focused, and goal-oriented therapy often leads to faster, more meaningful progress—reducing the need for extended treatment.
- Addressing mental health challenges now prevents larger emotional, relational, and financial costs later.
6. Greater Privacy and Control
- Using insurance can make your mental health records and diagnosis part of your permanent medical history.
- With private pay, your sessions remain fully confidential, allowing you to control your personal information.
Frequently Asked Questions (FAQs)
Do you accept insurance?
No, Behavioral Health Direct does not accept insurance. This allows us to offer personalized care without the limitations imposed by insurance companies. However, we can assist you in exploring out-of-network reimbursement options. Additionally, some providers on our team may accept certain insurance plans for specific services. If in-network care is important to you, please reach out to inquire about current availability.
What is the cost of therapy without insurance?
Our fees are $290 for an initial session and $220 for ongoing appointments. Sliding scale options are available for those who qualify.
How does out-of-network reimbursement work?
After each session, we provide a superbill that you can submit to your insurance company. Depending on your plan, you may be reimbursed for a portion of the session cost.
What if I can’t afford therapy?
We offer a sliding scale for clients with financial needs. Contact us to discuss payment options.
Is therapy worth the cost?
Absolutely. Of course, we believe it is – we’re a therapy practice, after all. But our clients agree. Addressing challenges now can lead to meaningful improvements in relationships, work, personal growth, and overall quality of life. While the cost may seem significant upfront, the long-term benefits—reduced stress, greater clarity, and emotional resilience—often far outweigh the initial investment.
Questions about our Fees?
We’re happy to answer any questions and discuss setting up an appointment or consultation.
Please call (443) 296-2584 to speak with a therapist and learn how we can make a difference.
You can also email us or book an appointment or consultation online now.