How Much Does Therapy Cost?
Olive Branch Laine Therapy is a private-pay practice. Here's what sessions cost:
| Service | Rate |
|---|---|
| Initial intake session | $200 |
| Therapy session | $170 |
| Parenting coaching session | $170 |
| Free phone consultation (15 min) | $0 |
| Trainings & public speaking (per hour) | $230 |
Payment is due at the time of service; major credit cards, HSA, and FSA cards all work. And if you have a PPO plan, your actual cost may be much lower than the rates above. Here's how:
Out-of-Network Benefits
Many PPO plans reimburse a portion of therapy costs through out-of-network (OON) benefits, often 50–80% of the allowed amount once your deductible is met. We provide a monthly superbill you submit to your insurance company, and they reimburse you directly.
To check your out-of-network benefits, call the number on your insurance card and ask:
"What is my out-of-network coverage for outpatient mental health services using CPT code 90837?"
Why Clients Choose Private Pay
Insurance helps with cost, but it comes with trade-offs most people don't hear about until they're mid-therapy. Here's what private pay protects:
You Don't Need a Diagnosis
Insurance requires a diagnosis on your medical record. Here, you never have to be "sick enough" to deserve support.
More Privacy
Nothing is filed with an insurance company. Your story stays between you and your therapist.
Care on Your Timeline
No session caps or coverage cut-offs. You and your therapist set the pace, not a benefits policy.
The Full Range of Support
Parenting coaching, prevention, personal growth: insurance skips what doesn't fit a diagnosis code. Private pay opens the whole menu.
No Surprise Bills
You know the exact cost before every session. No denied claims, no bill months later. HSA and FSA cards welcome.
Your Therapist Stays Your Therapist
A job change or plan switch can't end the relationship. No network list decides who you see.
Trainings & Public Speaking
We also offer trainings, workshops, and speaking engagements for schools, PTAs, and community organizations, on topics like social media safety, school avoidance, boundary setting, and strengthening family relationships. Engagements are $230 per hour, tailored to your audience. See Speaking, Trainings & Consultation for topics and details.
Payment & Policies
Before beginning services, we will review payment options, discuss expected costs, and help you understand how to check and use any out-of-network benefits your plan may include.
Additional details regarding fees, cancellations, and financial policies will be provided during the intake process.
Cost Questions, Answered
How much does therapy cost at Olive Branch Laine Therapy?
Intake sessions are $200, and ongoing therapy or parenting coaching sessions are $170. A 15-minute phone consultation is free, so you can ask questions and make sure we're the right fit before spending anything.
Do you take insurance?
We are a private-pay practice and are not in-network with insurance plans at this time. Many PPO plans reimburse a portion of therapy costs through out-of-network benefits, and we provide monthly superbills you can submit for possible reimbursement. You can also read why we made this choice.
What is a superbill, and how does reimbursement work?
A superbill is an itemized receipt with everything your insurance company needs to process an out-of-network claim. We provide one monthly; you submit it to your plan (or use a service like Mentaya or Thrizer), and if you have out-of-network benefits, your insurer reimburses you directly, often 50–80% of the allowed amount after your deductible.
Can I use my HSA or FSA card?
Yes. Therapy is a qualified medical expense, and we accept HSA and FSA cards along with all major credit cards. It's an easy way to pay for sessions with pre-tax dollars.
Good Faith Estimate
You have the right to receive a Good Faith Estimate explaining how much your care will cost. Under the No Surprises Act, health care providers must give clients who don't have insurance, or who choose not to use it, an estimate of expected charges for services.
You have the right to receive this estimate in writing at least 1 business day before your service. If you receive a bill at least $400 more than your Good Faith Estimate, you can dispute it. For more information, visit www.cms.gov/nosurprises.