Individual Therapy, including EMDR
$200 for initial session (this is a 90 minute session where we will get to know each other better and focus on want you want to work on together)
$165 for 50 minute session
$185 for 75 minute session
Block sessions available (90 minutes to 2 hours per request)
Insurance & Out-of-Network Benefits
McCrady Counseling is an “out-of-network” provider and does not take insurance. There are a few ways clients can reduce the cost of therapy:
Using FSA (Flexible Spending Account) or HSA (Health Savings Account) funds
If you itemize on your taxes, therapy is a qualified medical expense that you can deduct
Using your insurance for out-of-network benefits
I recommend you verify details with your insurance company prior to starting therapy. Even if they won’t pay you back anything, they might allow the cost of therapy to count towards your deductible. Given how messed up our healthcare system is, I recommend you get details in writing, if possible.
Here are the questions you’ll need to ask. Be sure to document what date and time you called, who you spoke with, and their answers.
1. Are out-of-network benefits for mental health services offered through my health insurance benefits?? If the answer is “no,” then ask if the cost of therapy can count towards your deductible
2. Is any pre-approval required before obtaining out-of-network mental health services in order to be reimbursed?
3. Do they approve mental health services for LCPCs?
If they do cover out-of-network benefits, here’s the second set of questions
4. Is there a deductible? If yes, how much is it? Is the deductible per person or per family?
5. Do they cover a flat rate or a percentage of the cost? For instance, a flat rate might be that they will reimburse you up to $100 per session. A percentage would be covering you at X percent of the total cost. So if the session cost is $250, and they cover 80%, then they would reimburse you $200 of the cost for each session
Most insurances only cover certain diagnoses and certain service codes, so here’s the third set of questions
6. What is the amount I will be reimbursed for the following CPT codes: 90791, 90837, 90834, 90846, 90847, 90853? If they don’t, ask and write down what codes they do cover.
7. ICD codes are the problems or diagnoses. Are there specific diagnoses that are covered? Ask if they need a code starting with a "F." Can if be any F code, or only specific ones?
Reimbursement
My records system will automatically send you a statement for insurance (strangely called a “superbill,” even though it’s not a bill) each month. If your insurance company does offer out-of-network benefits, you will want to ensure the superbill you receive each month meets the requirements (in terms of service codes and diagnostic codes). Then you can submit the superbill to the insurance company for them to reimburse you directly.
Consulting Services, Speaking Engagements, & Training
Beyond one-on-one therapy, I am passionate about educating the public about the various aspects of mental health. I am available for speaking engagements, workshops, and professional consultation. I work with faith communities, workplaces, schools, and healthcare settings on topics like:
The intersection of mental health and spirituality
Grief and traumatic loss (for individuals, families, and organizations)
Spiritual and religious trauma—what it is and how to respond
How family of origin shapes our parenting, leadership, and relationships
Supporting mental health in your community or workplace
I also consult with educators, medical professionals, and leaders who are seeing emerging mental health trends and need guidance, resources, or just a sounding board. If you're looking for someone who brings both clinical expertise and a real understanding of how messy and human this work can be, reach out—I'd love to talk. Whether for a single-case or regular consulting need, please submit your request to receive a quote for services.
