Therapy Is An Investment
Good therapy is an investment worth making — and understanding what it costs shouldn't be complicated. Here you'll find everything you need in one place: our session fees, how insurance and reimbursement work, and the tools we offer to help make care accessible. If anything's unclear, we're always happy to help you figure it out.
Session Fees
We believe that good therapy is an investment worth making. Our current session fees are:
Initial Assessment Session — $275
45-Minute Individual Session — $205
45-Minute Parent, Couple or Family Session — $225
For your convenience, a credit or debit card is securely kept on file to reserve your appointment time. Session fees are automatically charged at the time of each appointment.
Health Savings Account (HSA) and Flexible Spending Account (FSA) funds may also be eligible for therapy expenses. We recommend confirming eligibility with your plan administrator.
We understand that cost is an important part of choosing care. When TherapyWorks is not the right financial fit, local nonprofit organizations and community mental health centers may offer reduced-fee services. Please note that although these agencies may offer reduced-rate sessions, they are often a training center for therapists completing their education and training.
Important Policies
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TherapyWorks holds a 48- hour cancellation policy for both new and returning clients. If you miss an appointment or cancel your appointment with less than 48-hour notice your credit card on file will be charged the full session fee. If you need to cancel or reschedule an appointment, please do so via email or leave a voicemail for your therapist at 408-508-6789 (Los Gatos) or 831-525-5000 (Capitola / Scotts Valley).
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You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.
You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.
Do You Accept My Insurance?
TherapyWorks is an out-of-network provider and does not contract or bill directly with insurance companies. This allows you and your therapist to make decisions about your care together, based on your needs and goals rather than the requirements of a specific insurance plan.
Before deciding whether to submit claims to your insurance provider, it may be helpful to understand how using benefits can affect your care:
Insurance reimbursement typically requires a mental health diagnosis and documentation showing that services meet your plan’s definition of medical necessity.
Your insurance company may request information such as your diagnosis, treatment plan, session frequency, or progress to process a claim.
Coverage may be influenced by deductibles, visit limits, authorization requirements, utilization reviews, and other plan-specific policies.
Some common life transitions, relationship concerns, and personal goals may not meet an insurance plan’s criteria for reimbursement.
Although health information is protected by privacy laws, submitting a claim means certain clinical and billing information is shared with your insurance company. Psychotherapy notes generally receive additional privacy protections and are treated differently from standard medical and billing records.
Choosing whether to use insurance is a personal decision. We encourage you to review your benefits carefully and select the option that gives you the right combination of access, privacy, flexibility, and financial comfort.
Our team is available to provide the documentation you need, while decisions about coverage and reimbursement remain with your insurance provider.
Will I get reimbursed?
Many clients are pleasantly surprised by their out-of-network benefits. Depending on your plan, you may be eligible for reimbursement of 50% to 80% of your session costs.
To make the process as seamless as possible, TherapyWorks provides each client with a comprehensive electronic superbill every month. You can submit this directly to your insurance provider for possible reimbursement or keep it for your personal records.
Because coverage varies by plan, we recommend contacting your insurance provider before your first session to better understand your out-of-network benefits. Helpful questions to ask include:
Does my plan cover out-of-network outpatient psychotherapy?
Do I have a deductible, and have I met it for the year?
What percentage of my session costs may be reimbursed?
What is the easiest way to submit superbills for reimbursement?
You may also be able to use funds from a Health Savings Account (HSA) or Flexible Spending Account (FSA) toward therapy expenses. We recommend confirming eligibility with your plan administrator.
We understand that cost is an important part of choosing the right care. Some clients may prefer to work with an in-network provider, while others may find that local nonprofit organizations or county mental health centers offer more accessible, lower-cost options.
Courtesy benefit verification
Paying for therapy doesn’t have to be complicated – we’re here to make it easy for you.
At TherapyWorks, we believe high-quality care is a valuable investment, and our team is here to help you understand and maximize your benefits so care feels more accessible and affordable.
Our complimentary Courtesy Benefit Verification offers real-time verification of your out-of-network benefits, including your deductible, estimated reimbursement rate, and other plan details that may affect coverage. This gives you greater clarity and confidence before beginning care.
Depending on your plan and benefit eligibility, many clients receive reimbursement up to 50% to 80% of their session fees. Reimbursement amounts vary, and all benefit information is subject to confirmation by your insurance provider.
In partnership with our Client Care Coordinator, we guide you through the out-of-network process, answer general questions, and provide the information you need to make an informed decision about your care.
To request a Courtesy Benefit Verification or learn more about starting therapy at TherapyWorks, please call or send an email message to hello@mytherapyworks.com.
