Psychotherapy & Coaching Prices
For psychotherapy services, we are considered an out-of-network provider for most insurance plans and most clients pay for services out of pocket. We offer Super Bills for clients to submit an insurance reimbursement for services covered through out-of-network benefits. We accept all major credit cards, Health Savings Account (HSA) card or Flexible Spending Account (FSA) card. Payment is required before the time of services.
Couples & Families
We offer short-term reduced rates. Please inquire directly.
Please Note: We offer a limited number of in-person psychotherapy or coaching services in Seattle, WA. Inquire about in-person service availability with your therapists or coach. Visit our Telehealth & Virtual Therapy page for Frequently Asked Questions about virtual therapy session.
Funding support for Black individuals, couples, families and Black women and girls
Many of our clients offset their investment for therapy with funding support from the following organizations:
The Washington Therapy Fund Foundation is a 501(c)3 non-profit charitable organization offering funding to eliminate barriers to Black healing.
The Loveland Therapy Fund provides financial assistance to Black women and girls seeking therapy nationally.
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Digital Email Session (per 700 words): $50
Phone calls lasting over 15 minutes and for purposes other than scheduling will be charged $30 per 15 minutes. This expense will be charged to the card on file, unless another payment plan has been outlined and agreed upon.
Once an appointment time is purchased, that time will be held exclusively for you. With limited and select days for client sessions, please call or email to cancel or reschedule at least 24 hours in advance, or you will be charged for the missed appointment. We do not issue refunds or reschedule for appointments cancelled after the 24-hour timeframe.
Note: For Monday appointments, cancellation notification must be received by the end of day the Friday before to the appointment.
There is also a 10-minute no show policy – please be prompt given limited availability and adjacent appointments. If you are late, you may miss a portion of your time.
As an out-of-network provider, we do not bill your insurance company directly. With the monthly Super Bill, clients submit this statement to their insurance company directly. While we currently do not accept or bill insurance, we encourage you to contact your insurance carrier and inquire if they reimburse for out of network psychotherapy.
We recommend Reimbursify which is a safe, secure, and HIPAA-compliant mobile application that helps clients easily submit statements for out-of-network health insurance reimbursement.
Interested in learning more about why many therapists and clinicians are not paneled with health insurance companies? Check out this Blog Post covering several of the top reasons.
No Surprises Act
To provide transparency with our pricing and billing services, all clients receive disclosures and informed consent paperwork detailing pricing and session rates with their therapist(s). These disclosures are completed prior to working with our team and are always available in our Client Portal. You may also ask your therapist for copies at any time.
The No Surprises Act (H.R. 133 effective January 1, 2022) Section 2799B-6 of H.R. 133) protects people covered under group and individual health plans from receiving surprise medical bills when they receive most emergency services, non-emergency services from out-of-network providers at in-network facilities, private pay services, and services from out-of-network air ambulance service providers.Psychologists and other health care providers are now required by law to give uninsured and private pay clients a “Good Faith Estimate” of costs for services that they offer. If you receive a bill that is at least $400 more for any provider or facility than your Good Faith Estimate from that provider or facility, you can dispute the bill.
Essentially, under this new law, mental health care providers who do not accept insurance or for clients who do not have insurance, providers must give clients an estimate of the bill for medical items and services.
You have the right to receive a “Good Faith Estimate” to provide an estimate of expected charges you may be billed over at least the next 12 months from the start of scheduling services, for health care items and services you receive. This Good Faith Estimate includes the costs of services you can reasonably expect for your health care services, and does not include any unknown or unexpected costs that may arise during treatment.
Your total cost of services with Dream Life Out Loud, PLLC can only be determined based on your unique presenting challenges and treatment plan. Clients work in collaboration with their therapist to determine the appropriate level of care, which will dictate the number and type of psychotherapy sessions. Fees related to services with Dream Life Out Loud, PLLC may include late cancellations/no shows, other services (e.g. Emotional Support Animal services), and legal fees. Estimated fees for services will vary based on requests for services, consultations with other care providers, clinically appropriate referrals for additional services from other care providers, and ongoing updates or changes to treatment scheduling based on client needs. The good faith estimate is an estimate based on information made available at the time the estimate is requested and does not reflect ongoing changes to treatment and scheduling.
You may start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If you choose to use the dispute resolution process, you must start the dispute process within 120 calendar days (about 4 months) of the date on the original bill. There is a $25 fee to use the dispute process. If the Selected Dispute Resolution (SDR) entity reviewing your dispute agrees with you, you will have to pay the price on this Good Faith Estimate, reduced by the $25 fee. If the SDR entity disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount.
To learn more and get a form to start the process, go to www.cms.gov/nosurprises/consumers or call 1-800-985-3059.
For questions or more information about your right to a Good Faith Estimate or the dispute process, visit www.cms.gov/nosurprises/consumers, emailFederalPPDRQuestions@cms.hhs.gov, or call 1-800-985-3059.