Investing in Yourself
Your relationships are the most important elements in your life. Give them some attention.
Investing in yourself for your well-being.
Investing in yourself and your relationship makes sense when things aren’t going as well as they could be.
How you are doing with yourself and in your relationship matters.
When you’re feeling good, life is good. When your primary relationship is doing well, life is even better.
When you’re feeling stuck, life hurts.
Talk therapy is one way to show yourself and your relationship some love.
Therapy is a place for discovery, growth, and healing.
Meaningful changes can happen in relatively short amounts of time with time, energy, and commitment.
Learn more about what therapy is like here.
Affordable private pay
I am considered a private pay practitioner in that I am out-of-network for all insurance panels. See below for benefits of using private pay vs. insurance.
Cost per session
$175 – Initial intake session: 90 minutes
$115 – Standard session for individuals or couples: 60 minutes
$175 – 90-minute session for individuals or couples
I accept cash, check, and major credit card payments. Visa, Mastercard, Discover, American Express, and HSA/FSA accepted. Payment is due at the time of service.
Other fee information
• $75 for late-cancellations (within the 24-hour window of your appointment) and no-shows
• Sessions and phone consultations are pro-rated from the 60-minute rate in 15-minute increments
• 20-minute no-obligation discovery call — free
You and your relationships are worth your commitment. Let's get a conversation on the calendar.
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.
What can make private pay affordable?
Insurance panels can be "bossy"
When you use an insurance company, you must follow their rules. They tell you where to go, whom to see, and how often you’re allowed to go. Then they tell me what kind of therapy I must do based on the diagnosis. Finally, they have the right to request your records.
Insurance companies require a diagnosis
Insurance requires a medical model diagnosis for mental health coverage.
A diagnosis becomes part of your permanent medical record and follows you throughout your lifetime.
With certain diagnoses you may be denied health care or other benefits in the future.
In addition, they don't privilege relationships
Not all insurance companies cover relationship work (couple or marriage counseling).
One partner must be given a diagnosis.
And they never cover sex therapy.
So, choosing private pay may make more sense for you
With private pay you get to make your own rules. You choose whom you see, where, and how often. Above all, your records stay private.
In addition, consider your deductible before you decide. If you haven’t yet met it and must pay out of pocket anyway, you may as well choose the therapist who fits you best.
Still, investing in yourself via private pay just may not work for everyone. See more below.
Private pay or insurance? There may be an "in between" for you
Insurance reimbursement via superbill
You may request from me a superbill (itemized receipt) for services. You would submit this to your insurance company.
Submitting a receipt to your insurance provider subjects you to the conditions of using insurance.
You are responsible for verifying your out-of-network benefits .
Employee Assistance Program (EAP)
Your or your partner’s employer may have an EAP. These programs usually offer free short-term counseling (often 3-5 sessions).
If you continue services after your approved number of EAP sessions, you only pay after that.
Health Savings Account (HSA) and Flexible Spending Account (FSA) are tax-advantaged medical savings accounts that may be used for payment for therapy sessions.
Please check with your plan before using.
Check with your tax preparer to learn details of what may be allowed for medical expense deductions.
If, after considering your options, you'd like to invest in yourself via private pay
and 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’d be glad to help.
2497 7th Ave E, Suite 109
North St. Paul, MN 55109-2949
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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