Mental Health Therapy covered by Insurance
Many health insurance plans provide coverage for mental health services, including therapy sessions. This is thanks to mental health parity laws that require insurance companies to treat mental health conditions similarly to how they treat physical health conditions. At Red Pine Counseling, we accept several major insurance plans and can help you understand your coverage options.
When you use insurance for therapy, you may be responsible for:
- Copayments (a fixed amount you pay at each session)
- Coinsurance (a percentage of the total cost)
- Deductibles (an amount you must pay before insurance begins covering services)
The specific details of your coverage depend on your individual insurance plan. Our team is happy to help you verify your benefits and understand what costs you might expect.
Insurances we are in network in
Red Pine Counseling is in-network with several major insurance providers in North Carolina, including:
- Blue Cross Blue Shield of North Carolina
- Aetna
- Cigna
- United Healthcare
- Medicare
- Medicaid
- Tricare
Being “in-network” means we have a contract with these insurance companies to provide services at negotiated rates, which typically results in lower out-of-pocket costs for you. If your insurance provider isn’t listed, we may still be able to work with you as an out-of-network provider, or you can consider our affordable self-pay options.
FAQs about pricing and billing
How much does mental health therapy cost?
The cost of therapy at Red Pine Counseling varies based on the service type:
- Telehealth Remote Therapy: $100 per 50-55 minute session (available throughout North Carolina)
- In-Home & In-Office Therapy: $135 per 50-55 minute session (available in Raleigh, Durham, Chapel Hill & the Triangle)
- Traditional Office Therapy: $100 per 50-55 minute session (available only within Raleigh)
If using insurance, your out-of-pocket cost will depend on your specific plan’s coverage for mental health services.
Does Red Pine Counseling accept insurance?
Yes, Red Pine Counseling is in-network with several major insurance providers, including Blue Cross Blue Shield of North Carolina, Aetna, Cigna, United Healthcare, Medicare, Medicaid, and Tricare. We’re happy to verify your benefits before your first appointment.
For clients with out-of-network benefits, we can provide superbills that you can submit to your insurance company for potential reimbursement.
What are the self-pay rates at Red Pine Counseling?
Our self-pay rates are straightforward and based on the type of service:
- $100 for a 50-55 minute telehealth session
- $100 for a 50-55 minute in-office session in Raleigh
- $135 for a 50-55 minute in-home or in-office session in the Triangle area
These rates apply to all types of therapy we offer, including individual therapy, trauma treatment, addiction counseling, and mindfulness-based therapy.
What payment methods are available at Red Pine Counseling?
We accept various payment methods to make therapy as accessible as possible:
- Credit and debit cards
- Health Savings Account (HSA) cards
- Flexible Spending Account (FSA) cards
- Cash (for in-person sessions)
- Personal checks (for in-person sessions)
All payment information is securely stored in our HIPAA-compliant practice management system.
When will I be charged?
For self-pay clients, payment is collected at the end of each therapy session. If you’re using insurance, we’ll bill your insurance company directly, and you’ll be responsible for any copayments, coinsurance, or deductibles as determined by your plan.
We do not charge for sessions in advance, allowing you flexibility if you need to reschedule within our cancellation policy guidelines.
What is Red Pine Counseling’ cancellation policy?
We understand that life can be unpredictable. Our cancellation policy is as follows:
- We request at least 24 hours’ notice for cancellations or rescheduling
- Late cancellations (less than 24 hours’ notice) or no-shows may be subject to a $50 fee
- This fee is not billable to insurance and would be your responsibility
- Exceptions may be made for genuine emergencies on a case-by-case basis
This policy helps ensure that appointment times are available to all clients who need them.
In-person & online care available
Red Pine Counseling offers flexible options to meet your therapy needs:
Both in-person and online therapy options are available with the same pricing structure and insurance acceptance, allowing you to choose the format that works best for you.
Investing in therapy is investing in yourself—your wellbeing, your relationships, and your future. At Red Pine Counseling, we’re committed to making this investment as accessible as possible while providing the highest quality care.
