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RATES & INS final
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Rates & Insurance

Private Pay

A sliding scale is available for private pay and is based on household income.  The sliding scale rates are listed below.

Annual Household Income                        Rate for 55 minute session

$0-$60,000                                                        $105 


$66,000 - $85,000                                             $120 


$86,000 - $105,000                                           $135 


$106,000 – above                                               $150 

At Still Waters, we accept insurance and it's likely that your health insurance will cover payment for your services in full or in part.  We are happy to check your benefits to find out the specifics of your policy. 


If you would like to learn more about your insurance benefits on your own, the information below is provided to help.

We are in-network providers with the insurance companies listed below. (Which allows us to bill them for your services and to receive payment for your services directly from them.)  Depending on the specifics of your policy, you may be responsible for part of the payment.  We strongly recommend that you know what your insurance policy's benefits are.  We are happy to check your benefits for you if you would like.

We are out-of-network providers with insurance companies other than those listed above.  (Which allows us to send them a form documenting your payment for your services and there is a possibility that they may reimburse you in full or in part for the cost of your services.). What they will pay depends on the specifics of your policy and we strongly recommend that you know what your insurance policy's benefits are.  We are happy to check your benefits for you if you would like.

If you would like to check your insurance benefits, you can do so by calling your insurance company.  The phone number is typically found on the back of your insurance card.  We recommend asking your insurance company these questions to determine your policy's benefits for psychotherapy:


● Does my health insurance plan include behavioral health benefits? Does it include telehealth for psychotherapy?

● Is my therapist in network with you?  Whether yes or no, what does that mean and how does it affect my coverage?

● Do I have a co-payment for services, if so what is it?

● Does my plan limit my number of sessions. If so, is the limit per calendar year or per policy year, and what is the limit?

    If the limit is per policy year, when does my policy year begin and end?

● Do I have a deductible that applies to psychotherapy services? If so, what is it and have I met it?

● Do I need written approval from my primary care physician in order for services to be covered?

● Do I need prior authorization from you (insurance company) in order for services to be covered?



We accept all major credit cards for payment, including HSA cards.


Cancelation Policy

At Still Waters, we do not over-book the schedule in anticipation of no-shows or late cancellations.  Therefore your appointment time is reserved only for you.  If you fail to show up for your appointment or cancel/reschedule less than 24 hours in advance, you will be charged for the appointment.  If the appointment can be filled with another patient the fee will be waived. 

Any Other Questions

We are happy to answer any questions at all.  Contact us and we will  help.  We are here for you.

Blue Cross and Blue Shield

New Directions 

● Lucent

Blue Choice Network

● Anthem

● All Kids

● United Health Care

● Optum

● Viva

● Uprise

● American Behavioral

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