Rates, Insurance and Payment Options
Understand the cost. Explore your options. Take the next step with clarity.
When you’re choosing a therapist, the cost matters. So does feeling confident that your care has a clear purpose.
Below you’ll find our fees, the ways clients make therapy work financially, and how our focused approach helps your investment go further.
If our approach feels right but you’re unsure about affordability, let’s talk.
On this page: Session rates Insurance reimbursement Victim compensation Reduced-fee care Common questions
Our session rates
| Service | Session fee |
|---|---|
| Individual therapy (50 minutes) | $165 to $200 |
| Couples and family therapy | $185 to $225 |
| Initial consultation | Free |
| HSA and FSA cards | Accepted |
Fees vary by therapist and service. We’ll confirm your therapist’s rate and session length before you schedule.
Good Faith Estimate: Under the No Surprises Act, you have the right to receive a Good Faith Estimate of expected charges. We’re happy to provide one. Just ask.
Private pay, with real options
We are a private-pay, out-of-network practice. We do not bill insurance directly.
Many clients use out-of-network insurance benefits, HSA or FSA funds, approved victim compensation, or one of our reduced-fee spots. Here’s how each one works.
Why we’re out of network
Many private practice therapists in Colorado choose to be out of network, and in-network options can be limited or have long waitlists. Here’s why we’ve made that choice:
Confidentiality and privacy
Insurance often requires a diagnosis to be included in your permanent medical record. A diagnosis is not required in private practice, where treatment is guided by your symptoms and goals.
More control over your therapy
You and your therapist decide on the approach, length, goals, and frequency of treatment. In-network providers are often guided by what insurance deems medically necessary or appropriate based on diagnosis.
Therapist specialization
Specialized approaches are not always supported or recognized by the medical model of care. Being out of network means more of our therapists’ time goes to advanced training and development rather than billing and negotiating with insurance providers.
HSA and FSA: We accept HSA and FSA cards. These funds can be helpful if your insurance will not reimburse out-of-network services or does not cover mental health services. Please note that couples and family counseling are often not eligible, so check with your account administrator to confirm.
A note about Medicaid: Denver Wellness Counseling is not credentialed with Medicaid and therefore cannot accept Medicaid clients for private pay services.
Out-of-network insurance reimbursement
Good news: your insurance may still help pay for therapy here, even though we’re out-of-network.
If your plan includes eligible out-of-network mental health benefits, you may receive reimbursement for a portion of your session fee.
Your deductible, covered services, provider eligibility, and your insurer’s allowed amount all affect what you may receive. Some plans do not include out-of-network benefits.
How it works
- You pay DWC the full agreed-upon session fee.
- A claim is submitted to your insurance company, either by you using a superbill we provide or through a claims app you choose.
- Your insurer processes the claim and determines any reimbursement according to your plan.
Want help with the paperwork?
We’re happy to provide a superbill upon request, which you can submit to your insurance company for possible out-of-network reimbursement.
If you’d like submitting claims to be even easier, some clients use apps like Reimbursify or Mentaya, which file claims for you for a small per-claim fee. These services are separate from our practice, so you would sign up and pay for them directly. Ask us about options to speed up the process.
| Example only | Amount |
|---|---|
| Session fee paid to DWC | $180 |
| Insurer’s allowed amount | $150 |
| Plan reimburses 60% of the allowed amount | $90 |
| Your cost after reimbursement | $90 |
What might reimbursement look like?
Here is a hypothetical example to show how the calculation can work:
This example assumes the applicable deductible has already been met and the claim is covered.
It excludes any claims app fees. It is not an estimate of your benefits.
A plan that reimburses “60%” may reimburse 60% of its allowed amount, not 60% of your therapist’s actual fee. Before a deductible is met, reimbursement may be $0.
Questions to ask your insurer
You can use this checklist when contacting your insurance company:
- Do I have out-of-network outpatient mental health benefits?
- Is the therapist I’m considering eligible under my plan?
- What is my remaining out-of-network deductible?
- What is the allowed amount for the service and session length I’m considering?
- What percentage of that amount does my plan reimburse?
- Are there authorization requirements, visit limits, or claim deadlines?
Your insurer may ask for the billing code. For a standard 50-minute individual session, that’s usually CPT code 90834.
Victim compensation
We accept victim compensation for eligible clients with approved funding.
If you already have an award or think you may qualify, mention it when you contact us. We can discuss whether your funding can be used with your chosen therapist and services, along with any approval requirements.
Coverage depends on the applicable program and your approved benefits.
In Colorado, victim compensation is administered through each judicial district’s Crime Victim Compensation program. Not sure where to start? We can point you in the right direction.
Reduced-fee appointments
Each of our therapists reserves a limited portion of their caseload for reduced-fee care.
Availability varies by therapist and changes over time. If our standard fees are outside your budget, please ask about current openings.
You don’t need to write a lengthy explanation. A simple message is enough:
“I’m interested in working with your practice and would like to ask about reduced-fee availability.”
Why focused care can cost less over time
Therapy is an investment, and we treat it like one.
From your first sessions, we build a clear plan: careful assessment, a map of what to work on and in what order, and thoughtful adjustments when something isn’t moving. The goal is to get you into the work that creates change, without wasted time.
Together, we identify what you want to change and revisit whether treatment is helping. As progress becomes more stable, we discuss whether appointments can become less frequent.
When you feel better sooner and need sessions less often, your total investment can be smaller, even at a higher per-session rate.
Every path is different, so we’ll talk openly about fees, goals, and session frequency as we go.
- Weekly
- Every other week
- Monthly
- Occasional check-ins
How long will I need therapy?
In our clinical experience, many clients notice meaningful symptom reduction within 3 to 6 months.* From there, many move from weekly sessions to every other week, monthly, or occasional check-ins.
*Every story is different. Complex PTSD, developmental trauma, significant dissociation, and other layered concerns often need more sustained support, and that’s okay.
We make decisions about frequency together, based on your progress, preferences, and clinical needs.
Common questions
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No. You’re welcome to reach out first. We can explain our fees and documentation options and help you identify what to ask your insurer.
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No. You pay DWC your full session fee at the time of your session. Any reimbursement from your insurer comes to you separately, whether you submit the claim yourself or use an app, and depends on your plan.
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No. Your insurer determines eligibility, coverage, and reimbursement. A superbill, benefit estimate, or claims app does not guarantee payment.
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Absolutely. Questions about fees, reduced-fee availability, victim compensation, and out-of-network reimbursement are welcome.
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No. We work toward results, not deadlines. We’ll revisit your goals together, and you’ll never be rushed through your healing.
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Absolutely. Think of us as your therapy home. When life throws something new your way, you’re welcome back for a few sessions or more, based on your needs and therapist availability.
Let’s explore what could work for you
You don’t need to choose a therapist, understand every insurance detail, or commit to ongoing care before contacting us.
Share a little about what you’re looking for and whether you’d like to discuss payment options. We’ll help you explore the next step.
You’re welcome to ask about cost in your very first message.