Therapy is an investment in your well-being.

Choosing therapy is a thoughtful decision. It takes time, energy, and financial resources. You deserve care that honors that commitment and supports the changes you are working toward.

Finding the right therapist is part of that. It is not simply about availability or insurance coverage. It is about working with someone who understands your experience, offers the expertise you need, and provides a space where the work feels productive and supportive. Private pay allows for that level of care. I maintain a smaller caseload and structure treatment based on what is clinically best for you rather than on insurance limitations.

My fees reflect the training, skill, and individualized attention I bring to every session. Our work together is collaborative and intentional, with the goal of helping you feel more steady, capable, and connected both in and between sessions.

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Current Coverage and What’s Changing

I am currently in network with Blue Cross Blue Shield and Aetna. In 2026, I will be transitioning away from all insurance participation in order to provide more focused, high-quality care. Until that shift takes place, you can continue using in-network benefits for individual therapy.

Insurance requirements often limit flexibility in treatment and create significant administrative burdens. Working privately allows me to maintain a smaller caseload, stay deeply invested in advanced training and consultation, and give each client the level of thoughtful, individualized attention they deserve.

If your plan includes out-of-network benefits, you may be able to receive partial reimbursement for the cost of sessions. You can check your benefits using the Mentaya tool below. It takes only a few seconds and is completely free to use.

  • You pay me directly for each session. Depending on your plan, your insurance company may reimburse you for part of the cost through something called out-of-network (OON) benefits. This means you pay up front, and then your insurance may send you money back after you’ve met your deductible. A deductible is the amount you’re required to pay out-of-pocket each year before your insurance begins to reimburse you.

    Many clients get back 50–80% of the fee within 2–6 weeks. Most insurance companies mail reimbursement checks directly to you, while others apply the amount toward your deductible balance.

    To make the process easier, you have two options:

    1. Superbill: I can provide you with a monthly superbill (a detailed receipt) that you submit to your insurance company.

    2. Mentaya: You can use Mentaya, a platform I’ve partnered with that files claims and handles the paperwork for you. Mentaya will charge you a 5% fee per claim (about $15).

    I don’t communicate with insurance companies on your behalf, but I’ll provide all the paperwork you need. I strongly recommend calling your insurance company to confirm your benefits. Use the script below to guide the call and be sure to ask for a reference number at the end and keep it for your records.

  • Optional script:
    “Hi, I’m planning to work with an out-of-network licensed psychologist for individual therapy. Can you tell me if my plan offers reimbursement for out-of-network mental health providers?”

    If they say yes, ask:

    • Do I need pre-authorization or a referral from my PCP?

    • What is my deductible for out-of-network mental health services, and has it been met?

    • Once I meet my deductible, what percentage is reimbursed per session?

    • How many outpatient sessions are covered per year, and how long can they be?

    • Are the following CPT codes covered, and at what reimbursement rate?
      – 90791 (initial intake session)
      – 90837 (60-minute session)
      – 90834 (45-minute session)

    • How do I submit a superbill for reimbursement, and how long does it usually take to process?

    • At the end: “Can you please give me a reference number for this call?”

  • At this time, I don’t have sliding scale spots available.

  • I accept all major credit and debit cards, as well as HSA and FSA cards. Your card will be kept securely on file and charged after each session.

  • A "good faith estimate" is a document provided by a healthcare provider that outlines the expected charges for a scheduled medical procedure or service, given to patients who are uninsured or not planning to use insurance to pay for their care, essentially acting as a pre-bill detailing what they can anticipate paying for their treatment. 

    If applicable, I will send you a good faith estimate prior to your intake session.

Current Rates

  • Sessions are $250 for 55 minutes.

    Longer sessions available at prorated rates. Inquire for details.

  • The standard rate for group therapy is $75 per week, unless otherwise specified.

  • Expert consultation in men’s body image and eating concerns.

    • $250 for up to 45 minutes

    • $375 for 75 minutes

    To learn more or schedule a consultation, please email matt@roughwaterspsych.com