Fees & Insurance

Investment

Choosing to pay out of pocket for psychotherapy with an experienced clinical psychologist is an investment in truly personalized, high-quality care. Without the limitations imposed by insurance companies—such as session caps, diagnostic labeling, and privacy concerns—you gain full control over your mental health journey. This approach allows for deeper, more flexible, and individualized treatment, guided by a seasoned professional who tailors therapy to your unique needs and goals. Prioritizing your emotional health is one of the most meaningful decisions you can make—and the freedom and confidentiality of private pay therapy can help you get the most out of it.

Paying out of pocket for psychotherapy can feel like a stretch, but with some planning, it can be more accessible than you think. Many clients use flexible spending accounts (FSA) or health savings accounts (HSA), which let you use pre-tax dollars for therapy. Others prioritize mental health by adjusting discretionary spending—cutting back slightly on dining out, subscriptions, or other non-essential expenses.

Only you can decide if paying for good, quality, therapy is “worth” it. But the better is question is are you and your happiness worth it?

Paying out of pocket? Click the button to learn more about your rights under the law!

Service rates

Typical Service Fees

• Initial Diagnostic Interview for Individual Therapy: $230.00/60-min session

• Individual Therapy Session: $200.00/45-55 min session

• Initial Diagnostic Interview for Couple’s Therapy: $275/75-min session

• Couple’s Therapy Session: $230/55-60 min session; $255/75 min session; $275/90 min session

  Paying out pocket? Click the button to learn more about your rights under the law!

insurance

Dr. Sierra is currently credentialed as an In-Network provider for:

• Anyone with Medicare + a private Part B supplement (e.g., AARP, UHC, Aetna, BCBS)

• Aetna via Headway (Headway is a third party company that helps me manage your insurance benefits)

Please Note: Even if you have insurance, you are still responsible for any co-pay, co-insurance, or deductible that is required.  Dr. Sierra can explain this more.

Dr. Sierra is Out-of-Network for all other insurance providers.

Do you have out-of-network benefits? If so, contact Dr. Sierra to learn more about how she can help you determine how to use those benefits, what your out pocket cost will be, and how to work with your insurer to get reimbursement.

Not sure if you have out-of-network benefits? Contact Dr. Sierra, she can help you determine whether you can see out-of-network providers.

Using out-of-network benefits or want to know your total estimated cost for co-payments, co-insurance and/or deductible? Click the button to learn more about your rights under the law!