Rates & Insurance Information

Understanding Our Out-Of-Network Model

We believe accessing mental health care should feel straightforward and informed. We are an out-of-network therapy practice, which allows us to provide individualized, specialized care without being limited by insurance-driven requirements.

Clients pay for services directly at the time of their appointment and may be eligible to receive reimbursement through their insurance company if their plan includes out-of-network mental health benefits.

While we do not bill insurance directly, many clients utilize their out-of-network benefits to receive partial reimbursement.

With out-of-network benefits:

• You typically pay for services at the time of your appointment

• Upon request, your clinician will provide you with a superbill containing the information needed for insurance reimbursement

• You submit the superbill directly to your insurance company

• Your insurance provider determines reimbursement based on your specific plan

If you have questions about fees, out-of-network benefits, or the reimbursement process, our team is happy to help you understand your options before scheduling.

Why Choose an Out-of-Network Practice?

Insurance plans often determine:

• What diagnoses qualify for coverage

• How often therapy can occur

• What documentation is required

• Which services are considered reimbursable

Investment in Care

We are an out-of-network practice by choice—not because we don’t understand insurance, and not because we don’t value accessibility. We chose this model because we believe therapy works best when treatment decisions are guided by the individual in front of us.

This allows our clinicians to focus on what matters most:

• Creating individualized treatment plans based on your goals and needs

• Providing specialized care without unnecessary restrictions

• Using clinical judgment to determine the most effective path forward

• Offering flexibility in treatment approaches, pacing, and frequency

We understand that insurance coverage plays an important role in making therapy accessible for many people, and we encourage clients to explore their available benefits.

We also believe that effective therapy is built on connection, trust, and finding care that fits your individual needs. Our goal is to support you in making an informed decision about the type of care that feels right for you.

Self-Pay Rates

• Initial Intake Session: $125 (53-60 minutes)

• Individual Therapy Sessions: $125 (53–60 minutes)

• Couples/Family Sessions: $125 (53–60 minutes)

• Master’s Level Intern Sessions: $85 (53-60 minutes)

Sliding Scale Rates

Clear Water Wellness is committed to making therapy accessible and offers a limited number of sliding scale openings, based on financial need and clinician availability. While these spots are not always available, we welcome open conversations and encourage you to reach out if cost is a concern.

Accepted Forms of Payment

We accept:

• Cash

• Check

• Credit and debit cards

• Health Savings Accounts (HSA)

• Flexible Spending Accounts (FSA)

Payment is collected at the time of service.

Employee Assistance Programs (EAP)

We partner with select Employee Assistance Programs (EAPs) to help individuals access short-term counseling and mental health support through their workplace benefits.

Current EAP Partnerships:

If your employer offers an EAP benefit, you may be eligible to receive sessions or services through that program. Coverage, eligibility, and authorization requirements vary by EAP provider.

If you are interested in using an EAP benefit, please contact your employer or EAP provider first to confirm your eligibility and obtain any required authorization information.

Our team is happy to assist with next steps once your EAP benefits have been confirmed.