Payment & Insurance

You’re Here Because Something Matters. Let’s Make the Cost Part Easy.

Many of our clients get back a significant portion of each session’s cost through their health insurance — and we handle the paperwork so you don’t have to.

50–80%
of each session’s cost reimbursed through many employer health plans
Ready to get started? Find your therapist →

What Therapy Actually Costs Most of Our Clients

If you have health insurance through a Charlotte employer — a bank, a hospital system, one of the big firms uptown — there’s a good chance your plan will pay you back for a meaningful part of each session.

Here’s How It Typically Works
Session Fee
$240
You pay at time of session
→
Insurance Pays You Back
$120–190
We file the claim for you
→
Your Actual Cost
$50–120
What you end up paying per session
Illustrative Example
Based on a mid-range session fee with typical reimbursement from employer health plans. Your actual numbers will depend on your specific insurance plan and therapist.
About Deductibles
Most plans require you to spend a certain amount on your own first (your deductible) before reimbursement kicks in. Once you’ve met it, the math above applies for the rest of the year. Many of our clients meet their deductible within the first few months.

Choosing to work with a therapist is one of the most meaningful investments you can make — because the things that bring people here matter too much to leave unaddressed.

Ready to find your therapist? →

Why does reimbursement work this way? We’re an out-of-network practice, which means you pay for each session upfront and your insurance reimburses you afterward. It’s how many employer plans work with specialized providers — and more people have this coverage than realize it.

We Handle the Insurance Part

At most therapy practices, the insurance paperwork falls on you. We don’t think that’s a good experience — especially when you’re already dealing with something hard enough to seek help for.

At Most Practices
After each session, they hand you a receipt and it’s up to you to file it with your insurance
You have to figure out where and how to submit it — every insurance company is different
You wait weeks — sometimes months — and hope you did it correctly
If your claim is denied, you troubleshoot it on your own
At Therapy Group of Charlotte
Our team files your claim directly with your insurance company after every session
We file electronically, which means fewer errors and faster processing
Your reimbursement arrives weeks sooner than if you’d filed yourself
You never touch a form — just show up for your session

We’ve been handling insurance claims on behalf of our clients for over ten years. It’s one of the small things that reflects how we think about care — the experience around therapy matters, not just the hour itself.

Current Session Rates

Our rates reflect the experience and advanced training of our clinical team. Your therapist’s specific fee is confirmed when you schedule.

Individual Therapy
$230–$250
Per session
Varies by therapist
Couples Therapy
$245–$280
Per session
Varies by therapist

Most clients get back 50–80% of these fees through their insurance — so your actual cost per session is typically much lower than the numbers above.

The Rate Is the Whole Rate

One thing paying directly makes simple: the fee listed is the fee charged. No facility fees, no surprise adjustments after an insurer weighs in, no bill arriving months later for more than you expected.

You’ll know your exact session fee before your first appointment — and it won’t change without a conversation first.

One Quick Phone Call to Know Your Cost

There’s one thing we can’t do for you — insurance companies will only share your benefit details directly with you. But we can make that call as painless as possible. Here’s exactly what to say. Most people are done in five minutes.

1
Call Your Insurance Company
Flip your insurance card over and call the member services number. Let them know you have a question about your mental health benefits.
2
Ask If You’re Covered for a Therapist Outside Your Network
Not all plans cover therapists who aren’t in your insurance company’s network. Many employer plans in Charlotte do — but it’s worth confirming.
Say this
“I’d like to verify whether my plan includes out-of-network benefits for outpatient mental health therapy.”
3
Find Out How Much You Need to Pay Before Coverage Kicks In
Most insurance plans require you to spend a certain amount on your own — called a “deductible” — before they start reimbursing you. Many of our clients meet this within the first few months, and then pay significantly less for the rest of the year.
Say this
“What is my out-of-network deductible for mental health, and how much of it have I met so far this year?”
4
Ask How Much They’ll Pay Per Session
This is the key question. Your insurance company sets its own rate for therapy sessions, and reimburses you a percentage of that rate. The answer tells you what you’ll actually get back each time.
Say this
“What is the allowed amount for CPT code 90834 with a licensed mental health provider, and what percentage do you reimburse after the deductible?”
If your insurance company asks what type of provider, let them know — your therapist may be a licensed psychologist, licensed professional counselor, or licensed clinical social worker. We’re happy to confirm your therapist’s credential type before you call.
For couples therapy, also ask about CPT code 90847. These codes are how insurance companies categorize different types of therapy sessions.
5
Do the Math — Or Let Us Help
Subtract what your insurance pays from the session fee, and that’s your real cost. If the numbers feel confusing, our team is happy to walk you through it before your first appointment — just ask.
A note about certain plan types: Some insurance plans don’t cover therapists outside their network. This typically includes HMO plans, TRICARE, Medicare, and Medicaid. If you’re not sure what type of plan you have, your insurance company can tell you when you call. We accept all major credit cards, debit cards, and HSA/FSA cards.
It All Starts with a Conversation

Questions about a bill or a claim? Lisa Kowalewski handles billing and out-of-network claims — reach out.

Privacy Policy

Therapy Group of Charlotte · Effective August 29, 2026

The short version

  • The only place this website collects personal information is the appointment scheduling assistant — and only what you choose to share there.
  • We use two analytics tools to understand what gets read: Google Analytics (which sets this site’s only cookies) and Ahrefs Analytics (which sets none). Neither is connected to advertising.
  • We don’t run ad trackers, social media pixels, or remarketing. We don’t sell or share your information for advertising. There are no forms quietly collecting your details.
  • Questions, or want something corrected or deleted?

What this policy covers

This policy covers this website — therapistsincharlotte.com. It is not the privacy notice for therapy itself: if you become a client, your care is protected by federal and state health-privacy law, and you’ll receive our Notice of Privacy Practices as part of getting started. Nothing you read or click on this website creates a therapy relationship.

What we collect, and why

What you send us. If you email us, call us, or use the scheduling assistant (the “Make Appointment” button), we receive what you choose to share — typically your name, contact details, and what you’re looking for. We use it for exactly one purpose: responding to you and arranging care. The scheduling assistant is operated for us by WithTherapy, our scheduling provider, and the information you enter there goes to our practice and to the systems we use to manage appointments.

How the site gets used. Like most websites, we use analytics to understand which pages people read and where visitors come from — that’s how we decide what to write next. Google Analytics sets this site’s only cookies (named _ga and _ga_G2Y06NQKJV) and collects usage data such as pages visited, approximate location, and device type. We have Google’s advertising and cross-site features turned off. Ahrefs Analytics collects similar aggregate usage data and sets no cookies at all.

Accessibility preferences. The accessibility widget (accessiBe) lets you adjust how the site displays. If you use it, it stores your display preferences in your browser so they hold between visits.

What we don’t do

  • No advertising trackers, conversion pixels, or social media buttons.
  • No remarketing — we will never follow you around the internet.
  • No selling, renting, or sharing your information for advertising, ever.
  • No comment forms, pop-up surveys, or newsletter capture.
  • Reading about a topic here tells us nothing about who you are — analytics reaches us as aggregate counts, not identified people.

The services behind the site

ServiceWhat it doesTheir policy
WithTherapyOperates the appointment scheduling assistantwiththerapy.com/privacy
Google Analytics 4Usage analytics (advertising features off)policies.google.com/privacy
Ahrefs AnalyticsCookieless usage analyticsahrefs.com/legal/privacy-policy
accessiBeAccessibility widgetaccessibe.com/privacy-notice
VimeoPlays the video on our homepagevimeo.com/legal/privacy/policy
Google FontsDelivers the font for the scheduling button (loaded by the scheduling assistant)policies.google.com/privacy
CloudflareSecurity and content deliverycloudflare.com/privacypolicy
WP EngineHosts the websitewpengine.com/legal/privacy

Cookies

This site sets two cookies, both from Google Analytics (_ga, _ga_G2Y06NQKJV), used to distinguish visits in aggregate statistics. You can block or delete them in your browser settings without affecting how the site works, or use Google’s opt-out browser add-on. If you use the accessibility widget, your display preferences are stored in your own browser, not sent to us.

Your choices and rights

You can browse this site without providing any personal information at all. If you have shared something with us — through the scheduling assistant, by email, or by phone — you can ask us what we hold, ask us to correct it, or ask us to delete it, by writing to . We’ll respond to reasonable requests promptly. Deletion requests may be limited where health-record or other law requires us to retain information.

Security and children

We use standard protections — encrypted connections (HTTPS) everywhere, and reputable providers for hosting and scheduling — and we limit what we collect in the first place, which is the best protection there is. This website is meant for adults and is not directed at children under 13; we don’t knowingly collect information from them.

Changes

When this policy changes, we’ll update it here and change the effective date at the top. We won’t quietly expand what we collect.

Who we are

Therapy Group of Charlotte LLC
1514 South Church Street, Suite 101
Charlotte, NC 28203 (USA)

Privacy contact: