Q: How do I know which clinician’s rate applies to me?

Each clinician’s session rate is listed on their bio page . When you schedule your first appointment , our client care coordinator can also walk you through pricing for the provider you’re interested in.

Question 1

Do you accept my insurance?

Accepted Answer

Managed care companies were created to “manage” and contain escalating health care costs. Their bottom line is to reduce costs and raise profits; it is not to increase the quality of care professionals provide or your quality of life.

Managed care companies often choose to limit what services are offered, can restrict what is discussed in session, and may decide which clients can be seen and for how long.

Typically, only those services deemed medically necessary, which is defined as being literally about life and death and the treatment of illness, are covered. This means that they require a diagnosis of mental illness. This diagnosis remains on your record.

KMH is solution-focused on quality of life and personal goals.

Our work focuses on prevention, exploration, and personal growth rather than simply survival. Therefore, we have chosen to remain a concierge practice. This means that you pay out of pocket for our services and we provide you with the necessary paperwork (a “superbill”) to submit to your insurance provider for reimbursement if you so choose to.

Be aware that should you choose to submit a superbill, you are releasing medical information that is protected by law. This means you are waiving some of your rights to privacy and confidentiality.

Disclosure Notice Regarding Patient Protections Against Surprise Billing

Question 2

What forms of payment do you accept? Can I use my HSA/FSA card?

Accepted Answer

Cash, credit cards (Visa, Mastercard, Discover, American Express), and health savings (HSA) or flex spending account (FSA) cards that have a major credit card logo on it are all accepted forms of payment.

At Kellen Mental Health, we keep billing simple so you can focus on healing. We are a private-pay counseling and integrative psychiatry practice providing holistic mental health care, which means we do not bill insurance companies directly. Instead, our client care coordinator collects credit card information when scheduling and the card is processed at the end of session. You may pay in whatever way feels easiest: cash, any major credit or debit card, or an HSA/FSA card that functions like a credit card. If your health-benefit card has a Visa, Mastercard, Discover, or American Express symbol, our secure processor will accept it in-office or through the online client portal used for virtual counseling.

Many clients choose to use pre-tax HSA or FSA funds because mental-health services such as anxiety and stress management, depression counseling, ADHD coaching, and trauma therapy are generally eligible expenses under current IRS guidelines.

If you have questions about rates our friendly client-care coordinator will gladly walk you through the process before your first appointment.

Question 3

Can I use my HSA or FSA to pay?

Accepted Answer

Yes. We accept HSA and FSA cards with a major credit card logo. Therapy and counseling are generally considered eligible expenses, but we recommend confirming with your plan administrator.

Question 4

Do you offer sliding scale fees?

Accepted Answer

We do not offer a traditional sliding-scale. Instead, we follow a straightforward private-pay model with transparent rates for each clinician. This clarity lets you focus on healing, not paperwork, while still receiving personalized, evidence-based care tailored to your goals. Payment is due at the time of service.

Because every session is designed to give you concierge-level attention, Kellen Mental Health operates on a private-pay basis rather than a sliding scale. This approach removes insurance constraints and allows our counselors—whether you’re engaging in individual therapy, couples and marriage counseling, ADHD and executive-function coaching, or integrative psychiatry—to devote the full appointment to your needs, not billing codes.

Here’s how it works:

Transparent rates: Each clinician sets a fixed fee that reflects training, specialty, and session length. We review those fees with you before your first counseling or online therapy appointment so there are no surprises.
Flexible scheduling and mediums: Day, evening, and virtual counseling slots help you choose the cadence that fits your life and budget.
HSA/FSA receipts: While we don’t bill insurance, we provide detailed invoices you may submit for potential out-of-network reimbursement or HSA/FSA use.
Tailored care plans: Your therapist can recommend session frequency, self-guided resources, or group workshops to align support with financial comfort.

Clients tell us this clarity reduces stress, letting them focus on anxiety and stress management, depression counseling, trauma recovery, or career and executive coaching without delays. If you have questions about costs or payment options, our client-care coordinator will be happy to walk you through the details before you book.

Question 5

Do you offer sliding-scale or reduced-rate sessions?

Accepted Answer

Kellen Mental Health does not currently offer sliding-scale pricing. However, using HSA/FSA funds and submitting superbills for out-of-network reimbursement can help offset costs for many clients.

Question 6

How do I know if my insurance will reimburse me—and can you provide documentation (like receipts or a superbill) to submit?

Accepted Answer

Counseling and integrative psychiatry services provided at KMH may be covered in full or in part by your health insurance or employee benefit plan; however, KMH cannot guarantee coverage or reimbursement. Upon request, a monthly superbill can be provided for you to submit to your insurance company for possible out-of-network reimbursement.

Counseling and integrative psychiatry services provided at KMH may be covered in full or in part by your health insurance or employee benefit plan; however, coverage varies by plan, and KMH is not responsible for verifying insurance benefits or determining reimbursement eligibility. Upon request, we are happy to provide a monthly superbill for you to submit to your insurance company for potential out-of-network reimbursement.

Please note that insurance companies require a mental health diagnosis in order to process reimbursement. This diagnosis must be included on the superbill and will be shared with your insurance provider when you submit your claim. Coaching services, wellness services, workshops, and any testing recommended through third-party companies (including neuroendocrine or pharmacogenetic testing) are not eligible for insurance reimbursement.

We encourage you to contact your insurance provider prior to scheduling your initial appointment if reimbursement is important to you. A list of helpful questions to ask your insurance company regarding out-of-network benefits can be found here. Please be aware that time spent on insurance-related requests exceeding 15 minutes (including calls, forms, or additional documentation) is not included in your session fee and will be billed at your provider’s standard hourly rate.

If you are 18 years or older and would like your superbill sent directly to a parent or another party, a signed Release of Information (ROI) form must be completed before we can share that documentation.

Question 7

How do I know which clinician&#8217;s rate applies to me?

Accepted Answer

Each clinician’s session rate is listed on their bio page. When you schedule your first appointment, our client care coordinator can also walk you through pricing for the provider you’re interested in.

Question 8

What are your fees?

Accepted Answer

Please visit your location’s rates page for more information about rates and fees.

Question 9

What is a superbill and how does it work?

Accepted Answer

A superbill is a detailed receipt we provide after each session. It contains the information your insurance company needs to process an out-of-network reimbursement claim. You submit it directly to your insurer, and they reimburse you based on your plan’s out-of-network benefits. The amount you receive back depends on your specific plan.

Question 10

What is the difference between in-network and out-of-network providers?

Accepted Answer

In-network providers have signed contracts with your insurance company, so fees, paperwork, and coverage are handled inside that network. Out-of-network providers work privately. You pay them directly and may submit “superbills” to your plan for possible partial reimbursement. Kellen Mental Health operates as an out-of-network, private-pay practice.

Counseling and our many wellness services remain accessible even if your insurance plan keeps a narrow directory. The key lies in understanding networks.

In-network providers enter contracts with insurers. Those contracts dictate session fees, the number of visits allowed, and the kinds of issues covered. Because rates are pre-negotiated, your out-of-pocket cost is often limited to a copay or deductible, but choice can feel restricted and appointments hard to secure.

Out-of-network providers, by contrast, answer only to you. Fees are transparent up front, there are no surprise authorizations, and treatment plans stay between you and your clinician—not an adjuster. You pay the full session fee on the day of service and, if your policy offers out-of-network benefits, you can file the itemized “superbill” we supply for potential partial reimbursement. Many clients still use health-savings or flexible-spending accounts to offset costs.

At Kellen Mental Health we choose the out-of-network model so our therapists can devote the time and care each person deserves. Whether you need individual therapy for anxiety and stress management, couples counseling, or ADHD and executive functioning coaching, you set the goals and pace. This concierge approach protects confidentiality, supports evidence-based care, and gives you the freedom to thrive without insurance red tape.

Question 11

Why don&#8217;t you accept insurance?

Accepted Answer

We believe the quality of your care should be determined by your needs and goals, not by an insurance company’s policies. By operating as a private-pay practice, our clinicians have the freedom to provide the length, frequency, and type of treatment that’s right for you without external limitations. Many of our clients find that the personalized, focused care they receive is well worth the investment.

Question 12

Will I receive a diagnosis in therapy and do I need one to start?

Accepted Answer

At Kellen Mental Health, counseling focuses on your goals, not labels. You receive a formal diagnosis only when it clearly improves treatment outcomes, you request one, or it’s needed for a reimbursement superbill. Many clients thrive without ever being assigned a diagnosis.

You don’t need a diagnosis to start therapy, and you may not receive one at all. At Kellen Mental Health, therapy typically begins with your goals and what you’re experiencing – not a checklist of labels. A formal diagnosis is usually only added when it meaningfully guides your treatment, you request it, or it’s needed for documentation such as out-of-network reimbursement.

From your first call, a client-care coordinator matches you with the right specialist, ensuring therapy feels safe, confidential, and tailored to help you thrive.

Counseling and holistic mental health care at Kellen Mental Health begin with curiosity about your story. We do not start with a checklist of labels. Our licensed therapists use evidence-based tools—CBT, ACT, EMDR, the Gottman Method, and more—to ease anxiety, depression, trauma, and relationship strain. A formal diagnosis is added only when it guides treatment, you request it, or a superbill requires it. Many individuals, couples, and families make real progress without ever receiving a diagnostic code.

By staying flexible, we keep the focus on usable skills: mindfulness for racing thoughts, executive-function coaching for ADHD-like challenges, or emotion-focused work that rebuilds trust after infidelity. If a diagnosis would help you gain clarity, we talk it through together so you feel informed and respected.

This personalized path connects with all our services, including online therapy and virtual counseling, integrative psychiatry, life coaching, and corporate wellness programs. Whether you are a stressed executive, a new parent, or a couple seeking deeper co

ection, you will find compassionate care aligned with your goals—not defined by a label.

Insurance and Costs