Insurance and Investment

Two people’s hands, holding pinkies.  Supporting you in your healing.

Therapy is so much more than a routine bill or a temporary splurge—it is a profound, lifelong investment in you.

When you strengthen your mental health, you build a resilient foundation for your physical well-being, your career, your relationships, your family, and every life adventure ahead. You are entirely worth the commitment. Prioritizing your growth and healing is one of the most rewarding investments you will ever make.

Rates, Insurance & Self-Pay Discounts

Financial transparency is a core value of our practice. To ensure absolute compliance with insurance networks, we maintain a uniform fee structure based strictly on the time, complexity, and clinical assessment involved in your care—never on a specific diagnosis.

  • Standard Billing Rates: Our baseline standard and customary fees range from $200 to $225 per session. This is the standard rate billed directly to insurance companies or used for comprehensive initial diagnostic intakes and specialized extended care.

  • Prompt Pay / Self-Pay Discount ($115 to $150): If you do not have insurance, or if you prefer not to use your insurance benefits, we offer a specialized out-of-pocket discount. For these routine individual sessions (typically 47–55 minutes), your actual out-of-pocket cost is lowered to a predictable $115–$150 per session when paid at the time of service.

  • In-Network Insurance Costs: If you are using a plan we are paneled with, your specific out-of-pocket responsibility (like a copay or meeting a deductible) is set by your insurance company's contracted rate, not our standard fee.

How Often We Will Meet

Your healing path is uniquely yours. The exact number and frequency of your counseling sessions depend entirely on your personal goals.

Most clients find it most beneficial to meet weekly or bi-weekly at the beginning of care. Together, we will actively collaborate to build a schedule that fits your life. Because your needs change as you grow, the frequency and duration of your sessions will naturally evolve to reflect your progress. We will review your goals continuously, and you are welcome to discuss fees, scheduling, and services at any time.

  • Woman thinking about getting through life changes with therapy

    Insurance

    Navigating insurance for therapy can be tricky. It is your responsibly to know your insurance coverage. You should ALWAYS call to verify your benefits. Don’t just assume. Use the following to guide you in your call:

    - Does my insurance have mental health benefits? What are the benefits for individual therapy?

    -Do my benefits include Telehealth individual therapy?

    - What is my deductible? When does my deductible start over?

    -What is my copay?

    -Do I need special approval to use my benefits? ( such as does my PCP have to make a referral) Do I need preauthorization before I start?

    -Is Living Story Mental Health and Healing and Katrina Boyd (NPI 1245773647) covered by my plan?

    -Is there a limit to the number of times I can see Katrina?

    -Ask any other questions you have. This list is only for reference and is not exhaustive of what you might need to know.

    Yes, it is a pain to have to make this type of phone call, but you are ultimately responsible for any fees not covered or denied by insurance so it is better to call than to be caught off guard.

  • Close up of person with a semicolon wrist tattoo journaling.  What is the next chapter in your life?

    Accepted Insurance Plans & Payments

    Insurance Plans:

    Aetna

    Anthem Commercial HMO, PPO

    United Health Plans (Optum)

    UMR

    Out of Network Benefits

    Private Pay

    Accepted Forms of Payment:

    Mastercard, Visa, Discover, American Express, some HSA plans are accepted.

    ****Payment including private pay, out-of-network, deductible, co-pays, co-insurances and non-covered insurance fees are due at time of service. Late Cancel/ No-Show fees are due at time of missed appointment.****