Rates & Insurance
Investing in Meaningful, Personalized Care
At Hope Crest Counseling, we believe therapy should be both accessible and deeply impactful. We offer a combination of insurance-based services and self-pay options, allowing you to choose the level of care that best fits your needs, goals, and preferences.
Using Insurance
If you choose to use insurance, your sessions will be guided by:
Your specific plan and coverage
Medical necessity requirements
Insurance-approved service structures
Insurance can be a helpful way to reduce out-of-pocket costs. At the same time, it’s important to understand that insurance companies:
Determine which services are covered
Require a mental health diagnosis
May limit session frequency, length, or type
Do not always cover certain services (such as extended sessions, some family work, or specialized support)
Our team works within these guidelines while still providing thoughtful, high-quality care.
Self-Pay (Private Pay)
Self-pay offers a more flexible, personalized, and in-depth experience.
When using self-pay, we are able to:
Tailor sessions fully to your needs without insurance restrictions
Spend time more freely on what matters most to you
Integrate multiple approaches (creative interventions, family involvement, skills work, etc.)
Offer more flexibility in session length, frequency, and focus
Avoid the need for a formal diagnosis if not clinically necessary
Many clients choose self-pay when they are looking for:
Deeper personal growth
More collaborative and individualized care
Greater privacy and autonomy in their treatment
Understanding Your Options
A Balanced Approach
Some clients choose to combine both options—using insurance for individual sessions while engaging in self-pay services for:
Extended or intensive sessions
Specialized groups
Family or parent-focused work
Workshops or skill-building experiences
This allows for both affordability and depth, depending on what feels most supportive at each stage of your journey.
Our Commitment to You
No matter which option you choose, our approach remains the same:
Warm, relational, and trauma-informed
Focused on connection, growth, and empowerment
Grounded in evidence-based and creative interventions
We are happy to help you understand your benefits, explore your options, and find a path that feels both financially manageable and clinically meaningful.
Transparent care
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Flexible support
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Always centered around you
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Transparent care · Flexible support · Always centered around you ·
Your Pathways…
Flexible options to support both your care and your comfort
There is no “right” choice—only what feels right for you. Some clients prefer to use insurance for affordability.
Others choose self-pay for greater flexibility, privacy, or depth.
We believe therapy should feel accessible, supportive, and aligned with your needs—both emotionally and financially.
Here is a simple guide to help you understand your options:
Using Insurance
A structured, benefit-based approach
💵 Lower out-of-pocket cost
Typically a copay or coinsurance, $10–$75/session depending on your plan)📋 Diagnosis required
Insurance requires a mental health diagnosis for coverage🧭 Guided by your plan
Session length, frequency, and types of services may be limited🛡️ Shared information
Insurance receives details related to diagnosis and can request treatment plans
Self-Pay (Private Pay)
A more flexible, personalized experience
💵 Standard session fees
$180 (60-minute session)
$200 (initial intake session)🌱 No diagnosis required
Unless clinically appropriate🧠 More individualized care
Sessions can focus on growth, relationships, identity, or life transitions🔓 Greater flexibility
Includes options for extended sessions, creative approaches, and tailored pacing🤍 Enhanced privacy
Information is not shared with insurance