Using insurance
Network participation varies by clinician and plan.
Fees & insurance
Know the costs before you commit.
Practice-wide policies are listed separately from provider-specific rates and insurance participation, so it is easy to see which information applies to you.
Paying for care should feel straightforward.
Insurance participation varies by clinician, and private-pay rates are published openly. The administrative team can talk through the practical options with you before care begins.
Paying privately
- 45 minutes
- $150
- 60 minutes
- $175
Reduced postdoctoral rates are also available.
Using out-of-network benefits
Your plan may reimburse a portion of the cost when you use an out-of-network provider. Haven can provide the documentation needed to seek reimbursement; your plan determines eligibility and reimbursement.
Not sure what your plan covers?
- Choose or identify a clinician
- Clarify insurance and payment options
- Know the expected cost before care begins
Have a question about insurance or cost? Contact Haven about payment options →
Every rate below is the full fee for the session. The right-hand column shows whether a rate applies across the practice, only within a program, or only to a particular clinician.
| Service | Length | Rate | Applies to |
|---|---|---|---|
| Individual intake | Initial appointment | $225 | Practice-wide |
| Individual psychotherapy | 45 minutes | $150 | Practice-wide |
| Individual psychotherapy | 60 minutes | $175 | Practice-wide |
| Couples / family intake | Initial appointment | $250 | Practice-wide |
| Couples / family therapy | 45 minutes | $175 | Practice-wide |
| Individual DBT | 45 minutes | $175 | Program-specific |
| DBT skills group | Varies by group | $85 | Program-specific |
| Supervised postdoctoral resident | Per session | Reduced — see below | Clinician-specific |
Haven accepts HSA and FSA cards for session fees.
Rates are confirmed for your clinician and service during the free 15-minute consultation, before any appointment is scheduled.
Dr. Gabriela Figueras is a postdoctoral psychology resident supervised by Dr. Bethany Harris. Her sessions are offered at the reduced postdoctoral rates below. Service codes are included so you can check them against your plan.
| Service | Service code | Rate |
|---|---|---|
| Psychiatric diagnostic evaluation (intake) | 90791 | $175 |
| Psychotherapy, 45 minutes | 90834 | $100 |
| Comprehensive DBT session, 45 minutes | $125 | |
| Psychotherapy, 60 minutes | 90837 | $125 |
| Family psychotherapy, without patient present | 90846 | $125 |
| Family psychotherapy, with patient present | 90847 | $125 |
| Group psychotherapy or skills group | 90853 | $55 |
| Consultation with other providers | 99447 | $25 |
These are the standard reduced resident rates. Where a rate is set on a sliding scale based on income, the amount can vary—ask about it during the free 15-minute consultation.
Participation is held by each clinician rather than by the practice, so the plans your clinician takes are the ones that apply to your care. Coverage is confirmed before care begins.
Aetna
Optumcovers Oscar, UnitedHealthcare, UMR, and GoldenRule
Dr. Gabriela Figueras is completing a postdoctoral residency at Haven, and those sessions are billed through Dr. Bethany Harris’s supervisory arrangement at reduced resident rates.
Every clinician at Haven sees out-of-network clients, and every clinician provides a superbill—the itemised receipt your plan needs in order to consider reimbursement. Your plan decides what it reimburses.
Haven is not in-network with Medicare, Medicaid, Cigna, BlueCross BlueShield, and TriCare. A superbill is provided so you can seek out-of-network reimbursement from your plan.
What “out-of-network” actually means
If a clinician is not in your plan’s network, you pay the clinician’s full fee at the time of the session. Your plan may then reimburse you for part of that fee. A few terms make the rest of this easier to read:
- Full fee. What you pay Haven for the session—the amounts listed above.
- Deductible. What you pay out of pocket each year before your plan reimburses anything. Out-of-network deductibles are often separate from in-network ones.
- Allowed amount. The figure your plan considers reasonable for that service. It is often lower than the full fee, and your plan decides it.
- Coinsurance. The share of the allowed amount your plan reimburses once the deductible is met—commonly a percentage.
- Superbill. An itemized receipt with the codes your plan needs. You submit it; the plan decides what to pay.
Your plan controls reimbursement. Haven does not determine your benefits, the allowed amount, or whether a claim is paid, and cannot guarantee that you will be reimbursed.
An illustration, not a quote
Hypothetical example — round numbers chosen for clarity
- Session fee: $200
- Your plan’s allowed amount: $120
- Your deductible: met earlier in the year
- Your coinsurance: plan reimburses 60% of the allowed amount
- You receive back: $72 · Your net cost: $128
These numbers are invented to show how the pieces fit together. They are not a benefit quote, not a prediction, and not specific to any plan. Only your insurer can tell you your actual deductible, allowed amount, and coinsurance.
What Haven can and cannot do
Haven can provide a superbill after each session or on a monthly schedule, include the diagnosis and procedure codes your plan requires, answer questions about what appears on the documentation, and confirm in-network participation for clinicians who are paneled with your plan.
Haven cannot guarantee reimbursement, submit out-of-network claims on your behalf, determine your allowed amount, or appeal a plan’s decision for you. Those are decisions your insurer makes.
Cancellation and missed sessions
Because time is reserved specifically for you when an appointment is scheduled, Haven asks for at least 24 hours notice to cancel or reschedule. Otherwise, a $100 fee is charged for missed individual, family, and couples therapy sessions, and a $50 fee for missed skills group sessions. Insurance does not reimburse missed-session fees.
Good Faith Estimates
If you are uninsured or not using insurance, federal law gives you the right to a written Good Faith Estimate of expected charges before non-emergency care, and a dispute process if a final bill exceeds that estimate by $400 or more. Read the full Good Faith Estimate notice.
Ten questions that surface what you actually need to know. Print this list or keep it open while you call—the member services number is on the back of your insurance card.
- Do I have out-of-network outpatient mental health benefits?
- What is my out-of-network deductible, and how much of it have I met this year?
- What is the allowed amount for CPT codes 90791, 90834, and 90837?
- What percentage of the allowed amount do you reimburse after my deductible is met (my coinsurance)?
- Is there a limit on the number of sessions per year?
- Do I need pre-authorization or a referral?
- Are telehealth sessions covered at the same rate as in-person sessions?
- Is a diagnosis required for reimbursement?
- How do I submit a superbill, and what is the deadline for claims?
- How long does reimbursement usually take?
Insurance makes care affordable for many people and is the right choice for many of Haven’s clients. These are the practical reasons others choose to pay privately—not an argument that one path is better.
Choice of clinician
You can work with the clinician whose training and approach fit your needs, whether or not they participate in your plan.
Continuity
Care is not interrupted if a plan changes its network, and session frequency and length are set clinically rather than by a benefit limit.
Privacy considerations
Insurance reimbursement requires a diagnosis and disclosure to the plan. Private pay involves less information leaving the practice.
Specialized care
Structured programs such as comprehensive DBT are not always covered the way they are actually delivered.
A session fee is not only the time in the room. At Haven it reflects the work that surrounds it.
Doctoral-level clinicians
Every clinician holds a Ph.D. or Psy.D., with training in assessment, case formulation, and differential diagnosis—so unclear or complicated presentations are recognized early.
Individualized formulation
Treatment is planned around your situation and revised as it changes, rather than following a fixed protocol regardless of response.
Consultation and coordination
Clinicians consult as a team, and comprehensive DBT adds a skills group, between-session coaching, and coordinated structure.
Transparency
Rates, participation, and policies are published here, and confirmed for your situation before an appointment is scheduled.