Understanding Private Pay at Karos Counseling

Investing in Your Mental Health: What to Expect

At Karos Counseling, we believe therapy should be accessible, transparent, and empowering. We’re out-of-network with insurance by design. This gives you the flexibility, privacy, and results-driven care you deserve.

Here’s what private pay means, how it works, and how you can make it more affordable.

What’s the cost of therapy?

  1. Initial 15 minute consult: $0.00
  2. 53-Minute Session: $150
  3. Teen Hiking Group (Summers only): $40/session

Why Don’t You Accept Insurance?

Privacy First – No third-party access to your diagnosis or records

No Delays – Begin therapy right away, no approvals needed

Tailored Care – We decide your treatment plan, not the insurer

Flexible Goals – Focus on healing, not billing codes

Ways to make therapy more affordable

Superbills for Reimbursement – We’ll provide documentation for your insurance to possibly reimburse you.

HSA/FSA Accepted – Use pre-tax dollars for therapy sessions.

Short-Term, Results-Oriented Therapy – TEAM-CBT is designed to be efficient and effective, so you may need fewer sessions.