Rates and Insurance for Online Therapy in Ohio
Therapy is a financial decision, and the cost should be clear before you start.
Long Therapy Services offers several ways to pay for therapy, including private pay, insurance through Headway, out-of-network benefits through Thrizer, and superbills for possible reimbursement.
The goal of this page is simple: help you understand the options, compare what may fit, and know what to expect before scheduling.
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Session fees
These are the current self-pay rates for online therapy through Long Therapy Services. Payment is due at the time of service.
Free Consultation
A brief conversation to talk through what you are looking for and whether therapy may be a good fit.
Initial Assessment and Planning Session
A first full session focused on history, current concerns, goals, fit, and the next steps for therapy.
Standard Therapy Session
The main therapy session format for deeper work around stress, burnout, fatherhood, career pressure, identity, and life direction.
Focused Therapy Session
A shorter therapy option for focused follow-up, check-ins, or specific issues when clinically appropriate.
Payment methods: Debit card, credit card, HSA card, and FSA card are accepted. If you choose private pay and want to seek out-of-network reimbursement, a superbill can be provided after sessions.
Therapy is not just another appointment
For many men, therapy is about getting help with the pressure they have been carrying quietly for a long time. It can be a place to look honestly at what is happening, what is not working, and what needs to change.
You can slow things down enough to understand the pattern instead of reacting, avoiding, or pushing through automatically.
Therapy can help you sort through stress, burnout, fatherhood, career pressure, identity changes, and major decisions.
The work is focused on real life, including how you think, communicate, recover, set limits, and make choices outside of session.
Private pay keeps the process simpler
Private pay means you pay directly for therapy rather than using insurance. Many clients choose this option because it keeps the process clear, reduces insurance involvement, and allows therapy to focus on what matters most to them.
No insurance claim is submitted unless you request a superbill for possible out-of-network reimbursement.
Private pay can allow more flexibility with session focus, treatment goals, and pace of care compared with insurance requirements.
Payment is handled directly, without waiting on insurance authorization, claims processing, or network restrictions.
Important note: Therapy records are still clinical records. If you request a superbill or use insurance reimbursement, a diagnosis code is typically required by insurance companies.
Insurance plans currently accepted
I accept several insurance plans through Headway. Coverage depends on your specific plan, benefits, deductible, location, and Headway eligibility.
Before starting: Your exact cost depends on your plan. Headway can help verify eligibility, deductible status, copay, coinsurance, and other plan details.
Check out-of-network benefits with Thrizer
Thrizer can help you check whether your insurance plan may include out-of-network benefits for therapy. This can be helpful if you want to pay privately for sessions but still explore whether your insurance company may reimburse part of the cost.
The benefit check can give you a clearer picture of your deductible, possible reimbursement, and estimated out-of-pocket cost before you decide how you want to pay for therapy. You can also read more about Thrizer if you want to understand the service before checking benefits.
Use the Thrizer tool to see whether your insurance plan may offer out-of-network coverage for therapy.
Thrizer may show information about deductible status, possible reimbursement, and estimated costs based on your plan.
You can use that information to decide whether private pay, Thrizer, superbills, or insurance through Headway makes the most sense.
Important note: Thrizer does not guarantee reimbursement. Out-of-network benefits, deductible status, claim approval, and reimbursement amounts depend on your specific insurance plan.
What is a superbill?
A superbill is a detailed receipt that you can submit to your insurance company if you pay privately and want to request possible out-of-network reimbursement.
Your identifying information, provider information, date of service, type of service, CPT code, diagnosis code, and amount paid.
You pay for therapy directly, receive the superbill, and submit it to your insurance company according to your plan’s process.
Reimbursement is not guaranteed. It depends on your plan, deductible, out-of-network benefits, and claim requirements.
Questions to ask your insurance company
- Do I have out-of-network mental health coverage?
- What percentage does my plan reimburse for individual therapy?
- What is my out-of-network deductible, and how much of it have I met?
- Do I need to submit a claim form with the superbill?
- Where do I send the superbill and claim form?
A simple guide to help you decide
There is not one right payment option for everyone. The best choice depends on your priorities, insurance plan, budget, and how much insurance involvement you want.
Choose private pay if
- You want a simpler payment process.
- You want less insurance involvement.
- You prefer more flexibility in the focus of therapy.
- You value privacy and direct control over care.
Choose private pay plus superbill if
- You want to pay privately but request reimbursement.
- You have PPO or out-of-network benefits.
- You are comfortable submitting claims to your plan.
- You want more therapist choice without network limits.
Choose insurance if
- You want to use an in-network insurance option.
- Your plan is accepted through Headway.
- You prefer direct billing through insurance.
- You want to reduce out-of-pocket cost when possible.
Accepted payment options
Payment is due at the time of service. The following payment methods are accepted:
Rates and insurance FAQ
How much does online therapy cost?
Current self-pay rates are listed above. The consultation is free, the initial assessment and planning session is $225, standard 50-minute sessions are $160, and focused 30-minute sessions are $95.
Do you accept insurance?
Yes. I accept several insurance plans through Headway, including Aetna, Anthem Blue Cross and Blue Shield, Carelon Behavioral Health, Horizon Blue Cross and Blue Shield of New Jersey, Independence Blue Cross Pennsylvania Virtual National Network, and Quest Behavioral Health.
What is private pay?
Private pay means you pay directly for therapy instead of using insurance. Some clients choose private pay because it reduces insurance involvement, keeps the process simpler, and allows more flexibility in the focus of therapy.
What is a superbill?
A superbill is a detailed receipt for therapy services. If you pay privately and have out-of-network benefits, you can submit a superbill to your insurance company to request possible reimbursement.
Does Thrizer guarantee reimbursement?
No. Thrizer may help estimate benefits and simplify the reimbursement process, but reimbursement depends on your insurance plan, deductible, eligibility, benefits, and claim requirements.
Can I use HSA or FSA funds?
Yes. HSA and FSA cards are accepted as payment methods. You may want to confirm with your plan administrator if you have specific questions about eligible expenses.
When is payment due?
Payment is due at the time of service. A card is typically kept on file for session fees, late cancellations, or no-shows according to the practice policy.
What if I am not sure which payment option to use?
That is a good reason to schedule a free consultation. We can talk briefly about whether private pay, insurance, Thrizer, or superbills may make the most sense based on your situation.
Start with a free consultation
If you are unsure about cost, insurance, reimbursement, or whether therapy is a good fit, the consultation is a simple place to start.
We can talk briefly about what you are looking for, how scheduling works, and which payment pathway may fit best.
Learn more about Long Therapy Services
If you are considering therapy, you can learn more about my approach, services, frequently asked questions, and how to reach out below.