Fees & Insurance

A 20-minute phone consult with one of our therapists to ascertain fit is free of charge. Contact us to schedule a consult.

We offer a free 20-minute phone consultation to help determine fit.

The Keely Group is a self-pay practice. Fees for weekly, 45-minute individual sessions range from $200–$400. Fees for weekly, 60-minute couples sessions range from $300–$525. Rates vary based on each clinician’s level of experience and advanced training.

We are committed to transparency around fees so you can make an informed decision before beginning therapy.

Self-pay means that we are not in-network with insurance companies and do not bill insurance directly for sessions. Payment is made by you at the time of service.

Some insurance plans offer out-of-network reimbursement, which may allow you to recoup a portion of the cost after paying out of pocket. We can provide documentation to support this when applicable.

“Self-pay” is sometimes referred to as “cash pay,” though payment is not actually accepted in cash. We accept secure online payments via major credit cards.

Another term people use to refer to self-pay therapy is “cash pay,” but that doesn’t mean you have to pay with literal dollar bills or a cash app. As online therapists, we accept online payments via any major credit card.

We choose to operate as a self-pay practice so we can provide thoughtful, consistent care without the constraints imposed by insurance companies.

Working outside of insurance allows our therapists to spend their time focused on clinical work rather than administrative requirements, session limits, or treatment directives that may not align with a client’s needs. It also allows us to support our clinicians with sustainable caseloads and the resources required to do their work well.

This model gives us greater flexibility to offer care that is responsive, individualized, and guided by clinical judgment rather than insurance policies.

In many cases, yes. Many private and employer-based insurance plans offer out-of-network reimbursement, which may allow you to be reimbursed for a portion of your session fees after paying out of pocket.

Reimbursement rates vary by plan and are determined by factors such as deductibles, coinsurance, and whether your plan includes out-of-network mental health benefits. We can provide documentation to support reimbursement when applicable, though we cannot guarantee coverage or reimbursement amounts.

Working out-of-network also allows us to provide care without session limits, treatment directives, or documentation requirements imposed by insurance companies. This flexibility supports privacy, clinical judgment, and continuity of care.

Because insurance plans differ widely, we encourage clients to contact their insurance provider directly to understand their specific out-of-network benefits. Our administrative team can also help clarify what information to request before you schedule.

You pay for each session at the time of service and then submit a reimbursement request to your insurance company. We provide a detailed receipt, often called a superbill, to support this process.

If you have not yet met your annual deductible, the amount you paid for sessions will typically be applied toward that deductible and you may not receive reimbursement until it has been met.

If your deductible has already been met, your insurance company may reimburse you for a portion of the session fee, based on your plan’s out-of-network benefits. Reimbursement is usually issued by check or direct deposit, though timing and amounts vary by plan.

We cannot guarantee reimbursement, as coverage decisions are made by your insurance provider. Our administrative team is available to answer general questions about documentation and the reimbursement process.

In many cases, yes. Many clients use a health savings account (HSA) or flexible spending account (FSA) to pay for therapy.

You may be able to pay directly using an HSA or FSA debit card, or pay out of pocket and request reimbursement from your account, depending on how your plan is structured. Because these funds are pre-tax, using an HSA or FSA can help reduce the overall cost of therapy.

We recommend confirming eligibility and reimbursement details directly with your plan administrator.

Medicaid generally covers mental health services, but only with providers who are enrolled in a Medicaid network. The Keely Group is not a Medicaid provider.

Because of Medicaid regulations, individuals who have Medicaid benefits are typically not permitted to pay privately for psychotherapy outside the Medicaid network. For this reason, we are not able to provide services to clients who are covered by Medicaid, including for couples therapy if either partner has Medicaid.

We encourage individuals with Medicaid coverage to contact their Medicaid plan or care manager to learn more about mental health services available within their network.

Session times are reserved specifically for you. We ask that clients provide at least 24 hours’ notice if they need to cancel or reschedule a session.

Sessions cancelled or rescheduled with less than 24 hours’ notice are charged in full.

For clarity, a 2:00 pm session must be cancelled by 2:00 pm the day before to avoid a late-cancellation fee.

This policy supports consistency in treatment and respects the time reserved for your care.