Investing in Yourself

Your relationships, the most important elements in your life, are longing for your attention.

Relationships take time, effort, and commitment

Think about ALL the relationships you have in your life—intimate partner, community, work, family, kids, body, health, soul, spirit, intellect, self, higher power, society, your personal history, your hopes and dreams, and many more.

Relationships are ways of experiencing, doing, knowing, loving, and living. Our relationships influence and inform how we feel about ideas, things, and people, including—especially!—ourselves.

Relationships do a lot of heavy-lifting, and, therefore, require a lot of attention, care, and maintenance. When we don’t give our relationships the care they require and are worthy of, we suffer.

You're investing in you

Therapy as care for your relationships is a financial commitment and a long-term investment. This doesn’t mean therapy lasts forever (see FAQ), it means you benefit from the results now and in your future.

Therapy is a place for discovery, healing, and growth. What’s exciting about therapy is that with that time, energy, and commitment, meaningful changes can happen in relatively short amounts of time.

Chocolate hearts

Your investment in yourself & your relationships

$175Initial intake session: 90 minutes

$115Standard session for individuals or couples: 60 minutes

$17590-minute session for individuals or couples

Our standard session length is 60 minutes (even 60 minutes can go by so quickly!). Shorter or longer sessions can be requested and arranged.


I accept cash, check, and major credit card payments, including Visa, Mastercard, Discover, American Express, and HSA/FSA. Payment is due at the time of service.

Other fee information

$75 charge for late-cancellations (within the 24-hour window of your appointment)
$75 charge for no-shows
• Sessions longer or shorter than 60 minutes are pro-rated from the 60-minute rate in 15-minute increments
Phone consultations longer than 10 minutes are pro-rated from the 60-minute session rate, also in 15-minute increments
• 20-minute no-obligation discovery call — free

You and your relationships are worth your commitment.

If you’re feeling ready to start having things be different and feel better, click the button below to schedule your no-obligation 20-minute phone consultation. I look forward to meeting you.


Some notes on why I do not participate in insurance panels

Thankfully, insurance companies have been recognizing the need for and providing coverage for mental health care. However, their involvement in the care of your relationship health puts them in the driver’s seat and requires your concerns and desires for change to be treated as mental disorders.

As such, I choose to be an out-of-network provider so that my relationship with you in the work we’ll do together won’t be constrained by insurance demands or restrictions.

It is my belief that relationship concerns — including the one you have with yourself — are not mental disorders. I trust you’ll notice the difference in your care when you are in the driver’s seat with me as your front-seat passenger (not the back-seat driver).

Using insurance vs. private pay — you get to choose what works best for you. Private pay with me may not be a best fit for you.

If you’d like more information about what it might mean to use your insurance company to cover your emotional and relationship health, continue reading below for conditions imposed. See just below that for options you may have.


At this time, mental health coverage in the insurance world, requires a medical model diagnosis which designates disease, disorder, or syndrome. A diagnosis becomes part of your permanent medical record and follows you throughout your lifetime.

In a couple relationship, to use insurance, one partner must be given a diagnosis which then follows that partner on their permanent medical record. With certain diagnoses there is a chance you may be denied health care or other benefits in the future.



In addition, using insurance may limit privacy down the road or during the course of therapy:

• There may be entities in your life that require you to grant them access to your permanent medical record (such as life insurance companies or certain employers). You may be denied coverage or entry because of certain diagnoses.

• Or insurance companies can insert themselves by dictating the type of therapy, number of sessions, and frequency.

Couple on tailgate


Unfortunately, couples counseling or marriage counseling — anything that would be included under the umbrella of “relationship health” — is often not even covered by insurance.

In addition, and also most unfortunately, therapy that involves discussing the sexual health of your relationship is never covered. (As if we should be expected to not be sexual beings.)

You may have options

Insurance reimbursement via superbill

If you choose to use your out-of-network benefits, and have verified your coverage, you can submit a receipt to your insurance company. You may request from me an itemized receipt (superbill) for services, which you would submit to your insurance company.

Keep in mind that your submitting to your insurance provider requires my using and your having a medical model diagnosis. Your provider would have the information about our session dates and frequency and your session records would be available for audit by your insurance company as technically they would be paying for, even if only some portion of, the sessions.

If you choose to explore reimbursement by your insurance company, you are responsible for verifying your out-of-network benefits and for all submissions of superbills.

Employee Assistance Program (EAP)

Your or your partner’s employer may have an EAP, which offers free and confidential short-term counseling (usually 3-5 sessions). If you and your partner choose to continue services after your approved number of EAP sessions, you would only be responsible for payment after that.

Pre-tax dollars

Health Savings Account (HSA) and Flexible Spending Account (FSA) are tax-advantaged medical savings accounts (that many of us access via credit card) that may be used for payment for therapy sessions. Note that not all HSAs cover couples therapy, so please check with your personal or family plan before starting.

Tax deductions

The details of what may be allowed for medical expense deductions are quite outside my areas of expertise, so please check with your tax preparer to learn more. 

2497 7th Ave E, Suite 109
North St. Paul, MN 55109-2949


The information contained in this website is for informational purposes only and is not intended to assess, diagnose, or treat any individual or relationship. It is also not intended to suggest a relationship with the therapist.

Heritage Counseling Services therapist, JoEllen Lange, MA, LAMFT, is a relationship psychotherapist working toward full licensure under supervision of an AAMFT- and Minnesota Board-approved licensed therapist.

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