Fees & Insurance

Fee Range and Explanation

The fees of our licensed therapists range from $50 to $145, depending on credentials and years of experience. We request payment at the beginning of each session. Please ask your therapist if they are affiliated with your insurance company. If not and you wish to use your out-of-network benefits, we ask that you have your insurance company reimburse you. A schedule of payment for services can be negotiated with a therapist, but the final decision is at the sole discretion of the therapist.

Therapists working toward licensure (PLPC) offer the following sliding scale for the first half of their time toward licensure. Eligibility for a fee reduction will be based on income as reflected on your last tax return and the number of dependents in your family.

1-2 person(s)
3-4 in family
5+ in family
$0 – $40,000
$40+ – $60,000
$60+ – $80,000


For those who feel this sliding scale is still beyond your means, CrossRoads encourages you to consider seeing a student intern for a $10 fee.

Please be aware that your therapist will inform you approximately a month before they have achieved 1500 hours of supervision towards licensure, at which time your rate will increase $5.

If your income changes, we ask that you honor the above scale and inform your therapist so your fee can be adjusted accordingly.


You can check with your individual therapist to see if they are in-network with your insurance. However, the therapists at CrossRoads are usually out-of-network for most insurance companies. As such, you (not your insurance company) are responsible for full payment of the fees. If you plan to file a claim with your insurance company for reimbursement of services, most likely it will be reimbursed at an out-of-network rate. It is your responsibility to determine whether your policy provides you with the appropriate coverage. If your therapist is out-of-network, upon request, CrossRoads will provide you with receipts for all services rendered showing procedure codes and diagnostic codes. At times, insurance companies require a short treatment update to continue receiving benefits. Our therapists will fill these forms out and file them at no additional charge unless they take excessive time to complete. If this occurs, your therapist will discuss individually with you the fee for completing the paperwork, before doing it. Typically, the fee would be a pro-rated charge of their counseling rate.

It is important to be aware that filing insurance claims for mental health services coverage may affect your ability to purchase medical, life, or disability insurance currently or in the future. If you file with your insurance company, they may request additional clinical information such as treatment plans or summaries, or copies of the entire record (in rare cases). This information will become part of the insurance company files and will probably be stored in a computer. Though all insurance companies claim to keep such information confidential, CrossRoads and your therapist have no control over information provided to a third party. Using your health insurance for psychotherapy and assessment also greatly reduces your flexibility in terms of choosing service providers and receiving the type of treatment and number of sessions needed for your situation. If you do plan to use insurance, please make sure you understand the extent of your benefits and discuss them with your therapist. This will allow the two of you to set realistic treatment goals based on what the insurance company allows regarding frequency and length of treatment.


Payments of cash, check, credit or debit cards are accepted.