Our Pricing
We believe therapy should be centered on you—not an insurance company’s requirements. Bright Harbor Counseling is a private-pay practice, with sessions beginning at $153 per session.
We intentionally chose a private-pay model to provide greater flexibility, privacy, and control over your care. Without insurance determining what qualifies as “medically necessary” or limiting the focus and frequency of treatment, we can work together around your goals and what you feel you need. We believe this approach is in the best interests of our clients because it allows therapy to be guided by your needs—not insurance requirements.
Thoughtful Care, Without the Insurance Restrictions
Health insurance plays an important role in helping people access care, particularly when unexpected or significant needs arise. At Bright Harbor Counseling, however, we have intentionally chosen not to participate with HMO insurance plans. Our private-pay model allows us to provide care with greater flexibility, privacy, and focus on each client’s individual goals.
Learn more about our pricing philosophy and the benefits of choosing private-pay therapy.
Pricing FAQ:
Increased Privacy
When you use health insurance for therapy, certain information about your care may need to be shared with your insurance company for coverage and reimbursement. This can include clinical information required to determine eligibility or medical necessity.
With Bright Harbor’s private-pay model, you have greater control over who has access to information about your therapy. Your treatment is not submitted to an insurance company, allowing you to maintain greater privacy and keep the focus of therapy between you and your clinician, subject to the standard legal and ethical limits of confidentiality.
You Are Not Your Diagnosis
Insurance-based therapy often requires a diagnosis that supports the medical necessity of treatment. At Bright Harbor Counseling, we believe therapy can be valuable for many reasons—including personal growth, life transitions, relationships, stress, and navigating challenges that may not feel like a mental illness.
You are more than a diagnosis or a difficult season in your life. Our private-pay model allows us to focus on your goals and individual needs rather than making a diagnosis the starting point or defining feature of your care. When clinically appropriate, we can also provide assessment and diagnosis as part of treatment.
Know What You're Paying For
Insurance coverage can change over time. Copays and deductibles may shift, employers may change plans, or insurance companies may alter their behavioral health coverage and requirements.
At Bright Harbor Counseling, we believe the cost of therapy should be clear and predictable. Our private-pay model means you know your session rate upfront, without unexpected changes to your out-of-pocket costs due to changes in insurance benefits. This allows you to focus on your therapy—not navigating your insurance coverage.
Care At Your Pace
Therapy isn’t one-size-fits-all, and meaningful change doesn’t always happen on a predetermined timeline. Insurance coverage can involve requirements around medical necessity, treatment plans, and the number or frequency of sessions.
At Bright Harbor Counseling, we believe the pace and focus of therapy should be guided by your individual needs and goals. Private pay allows us to tailor treatment to you—whether you’re working through a significant challenge or simply investing in your personal growth—without feeling that your concerns have to reach a certain threshold to deserve support.
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