Let’s Talk Cost—Without the Confusion

At 4 The Love, you have the option to use your insurance or pay privately—we’ll support you either way. Our goal is to help you feel informed, not overwhelmed.

Couples Therapy

Group Therapy

Coaching

Intake Session Follow-Up Sessions

$175 $150

$200 $185

$40 $40

Varies- Call for details

Self-Pay Rates

Service

Individual Therapy

Using Insurance

We’re in-network with several major insurance providers and will help you understand how your benefits apply to our services.

Rates vary based on your insurance plan and coverage.

We’ll verify your benefits and provide an estimate before your first session.

We currently accept:

  1. Aetna

  2. Anthem (Blue Cross Blue Shield)

  3. Cigna

  4. Optum

  5. UnitedHealthcare

Not sure if your plan covers our services? Give us a call—we’re happy to help.

You Have a Choice—Self-Pay or Insurance

At 4 The Love, using your insurance is entirely optional. Some clients prefer to use their benefits, while others choose to pay out-of-pocket for more flexibility and privacy. Whichever path you choose, we’ll walk you through the pros and cons of each so you can make a decision that feels right—financially, emotionally, and logistically.

Self-Pay

Pros:

  1. Full privacy — No diagnosis required to start.

  2. More control — You choose your provider and frequency, no insurance limitations.

  3. No surprise rejections — No denied claims, no waiting for approvals.

  4. Flexibility — Great for coaching, workshops, or therapy that doesn’t fit a medical model.

Cons:

  1. Out-of-pocket cost — You’re covering the full fee without reimbursement.

  2. No deductible credit — These payments won’t go toward your insurance deductible.

Using Insurance

Pros:

  1. Lower upfront cost — Only pay your copay or deductible amount.

  2. Helps offset ongoing care — Especially if you plan to be seen consistently.

  3. Covers clinical therapy — For medically necessary mental health treatment

Cons:

  1. Less privacy — Requires a mental health diagnosis to bill.

  2. Limited session options — Frequency and provider options may be restricted.

  3. Claim delays or denials — Insurance processing can slow things down.

Sliding Scale Rates

We believe that care should be accessible, no matter your circumstances. That’s why we offer sliding scale rates based on income and availability. Whether you’re facing financial hardship or simply in a tight season, we’ll work with you to find a rate that helps you move forward—without added stress.Note: Sliding scale is available for individual and couples counseling only. It does not apply to group therapy or coaching services.

Coaching Rates

oaching is private pay only.

Packages vary depending on your goals and session frequency.

Interested in coaching?

Give us a call and we’ll walk you through the best options for your needs.

Still Have Questions?

We’re here to help you figure it out. Whether you’re wondering what your insurance covers, whether coaching or therapy is right for you, or if a sliding scale option fits your needs—we’re ready to talk it through.