Transparent Fees. No Insurance.
No Surprises. Just the Best Care Available.
The Evidence-Based Treatment Institute is a private-pay practice. We do not accept health insurance. Not because we want to be inaccessible, but because the evidence-based treatments we use cannot be delivered within the constraints that insurance imposes.
On this page, we explain exactly what we charge, why we made this choice, and how some patients recoup a meaningful portion of their investment through out-of-network benefits. We believe you deserve complete transparency before you ever pick up the phone.
Our Fees, Stated Plainly.
We don't hide our fees behind a "call for rates" wall. Here is what treatment at the Evidence-Based Treatment Institute costs. We believe fee transparency is a form of respect, and that the families who find our fees online and choose to contact us have already decided the investment may be worth it.
* One tip from us: insurance plans vary in how they reimburse extended sessions or several hours of therapy on the same day. If an intensive format is on your mind, it's worth asking your insurer about this specifically, and we'll help you frame exactly what to ask during your screening call.
If these fees work for your family, the next step is a conversation: the screening call is free, and we'll calculate your exact numbers together before anything begins.
Request a ConsultationWhy the Evidence-Based Treatment Institute Does Not Accept Insurance, and Why That Protects You.
We want to be honest with you about what accepting insurance actually means for a clinical practice, and why we concluded it was incompatible with the standard of care we are committed to providing.
What happens when a therapy practice accepts insurance
Treatment length is determined by the insurer, not the clinician
Insurance companies set session limits based on actuarial tables and cost management, not on what the evidence says a given condition requires. A patient with treatment-resistant OCD may need a meaningful course of intensive ERP. An insurer may authorize six.
Prior authorizations delay care, sometimes dangerously
The weeks spent obtaining prior authorization (filling forms, making calls, appealing denials) are weeks a patient is not in treatment. For eating disorders especially, delay has real clinical consequences. There is no authorization process here: treatment begins as soon as clinical fit is confirmed.
Session frequency and format are constrained
The intensive, multi-session-per-week formats that produce the best outcomes for OCD and eating disorders are rarely covered. Insurance is built for weekly outpatient. We are not limited to weekly outpatient, and many of our patients need more than that.
Out-of-Network Reimbursement: What It Is and How to Use It.
Many insurance plans include out-of-network (OON) mental health benefits, meaning they will reimburse a portion of fees paid to providers who are not in their network. If your plan includes OON benefits, you may be able to recover a meaningful percentage of your investment in treatment at the Evidence-Based Treatment Institute.
Here is exactly how it works
Check your OON benefits
Call the member services number on the back of your insurance card and ask: "Do I have out-of-network mental health benefits? What is my OON deductible, and what percentage does the plan reimburse after the deductible is met?" Write down what you're told and the name of the representative.
Request a superbill from us
After each session (or monthly, whichever you prefer), we provide a superbill: a detailed, itemized receipt that includes your diagnosis code, procedure code, session date, fee paid, and our provider information. This is the document your insurer needs to process an OON claim.
The CPT codes we bill: 90791 (initial diagnostic evaluation), 90837 / 90834 (individual psychotherapy), 90847 (family therapy with patient), 90846 (family/parent coaching without patient), 90853 (group psychotherapy). Each session is billed individually using standard outpatient codes.
Submit to your insurer
Most plans allow you to submit superbills by mail, through your insurer's online portal, or via their app. Some patients use a service like Reimbursify or Nirvana Health to streamline submission automatically.
Receive reimbursement directly
Your insurer reviews the claim and reimburses you directly (typically within 2–6 weeks) at whatever percentage your plan covers for OON mental health services. This goes directly to you, not to us.
Real-world example
A plan with a $500 OON deductible and 70% OON reimbursement after deductible. A patient paying $300/session attends 20 sessions ($6,000 total). After the deductible, the insurer reimburses 70% of the remaining $5,500 = $3,850 back to the patient.
Estimate Your Out-of-Network Reimbursement
Enter the numbers from your insurer (the two questions above) and see the same math applied to your plan. Nothing you enter leaves this page.
Estimates only. Actual reimbursement depends on your plan's allowed amounts and terms. Verify benefits with your insurer; we provide superbills for every session.
Net out-of-pocket: $2,000 for 20 sessions of specialized care, an effective $100 per session. Always verify your specific plan. Benefits vary significantly.
Third-party services that simplify OON submissions
Submitting OON claims is tedious, and many patients give up halfway through. Several services exist specifically to handle OON submissions on a patient's behalf and dramatically improve the percentage of claims that actually get reimbursed:
OON Reimbursement Services
- Mentaya: submits OON claims for you; takes a percentage of recovered reimbursement. Especially good for mental health.
- Reimbursify: mobile app that streamlines the OON submission process.
- Thrizer: handles billing and reimbursement workflow for out-of-network care.
- Nirvana Health: verifies benefits and tracks claims.
What to ask before starting treatment
- Is my OON deductible met for the year?
- What is the plan's "usual and customary" rate for CPT codes 90834 and 90837 in my zip code?
- Are CPT 90847 (family) and 90853 (group) reimbursed under my plan?
- Are there session limits per calendar year?
- Is pre-authorization required for outpatient mental health?
- Is telehealth covered across state lines (PSYPACT)?
A note on intensive treatment & OON claims
Our intensives are delivered as frequent individual and family sessions, billed separately using standard outpatient CPT codes (90837, 90847) rather than as a bundled facility program. Because of that, most OON plans process the claims as standard outpatient mental health care. We recommend verifying this with your specific insurer before beginning intensive treatment. Ask us for a sample superbill before you commit. We'll provide one so you can call your insurer with the actual codes we'd bill and confirm what would be reimbursed.
HSA and FSA Cards Are Welcome, and They Make a Real Difference.
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), therapy sessions at the Evidence-Based Treatment Institute are a qualified medical expense. You can pay with your HSA or FSA card directly, using pre-tax dollars, which effectively reduces your out-of-pocket cost by your marginal tax rate.
Health Savings Account (HSA)
Available with high-deductible health plans. Contributions roll over year to year: no use-it-or-lose-it pressure. Funds can be used for psychotherapy with a licensed psychologist, which is exactly what we are.
Pay with your HSA card at time of service. No paperwork required.
Flexible Spending Account (FSA)
Employer-sponsored benefit. Funds are use-it-or-lose-it annually, so if you have remaining FSA balance, using it for therapy sessions before year-end is a smart move. Psychotherapy is a qualified expense.
Pay with your FSA card at time of service. No paperwork required.
If you are unsure whether your HSA or FSA can be used for mental health services, contact your plan administrator. In virtually all cases, sessions with a licensed psychologist are a qualifying expense.
Good Faith Estimate: Your Right to Know What Care Will Cost.
Under the No Surprises Act, you have the right to receive a Good Faith Estimate of the expected cost of your treatment before your first session. This is a legal right for all patients who are uninsured or who choose to pay out-of-pocket, which includes everyone at the Evidence-Based Treatment Institute.
Your Good Faith Estimate will include:
We automatically provide Good Faith Estimates to all new patients prior to their first session, without you needing to request one. If you ever have questions about your estimate or believe there is a discrepancy between your estimate and what you were charged, please contact us directly.
Questions about fees, superbills, or reimbursement? Ask us directly. A clinician gets back to you within one business day and will walk you through exactly how it works.
Request a ConsultationFrequently Asked Questions: Fees & Insurance.
Yes, and we encourage it. Knowing what your specific OON benefits will reimburse is one of the most important pieces of financial information you can have before starting treatment. Just ask during your consultation, and we'll send a sample superbill formatted with the exact CPT codes we'd bill for your treatment, our NPI, and the diagnosis code that would likely apply. You can then call your insurance and ask, in concrete terms, what they'd reimburse, before you commit a dollar to treatment.
Intensives aren't billed as a bundled program; they're billed as the sum of their component sessions. Each week, you'll receive superbill line items for each individual session (CPT 90837) and each family or parent coaching session (CPT 90847 / 90846). This unbundled approach is what allows the work to be billed through standard outpatient OON benefits rather than a restrictive facility benefit category some insurers use for residential and PHP step-downs. Most patients with strong OON benefits get meaningful reimbursement this way. We recommend confirming with your insurer before starting.
It depends on the patient's track, the clinician(s), and the family configuration. A virtual intensive is billed at the clinician's standard session rate (prorated by session length). It's the same fee as weekly therapy, just delivered more often, whether as several sessions across the week or an extended session in a single day. An in-home intensive adds on-site clinician time, billed at double the clinician's standard session rate: $500–650 per hour. Either way, the week's cost is simply the sum of its individual sessions, and we discuss your specific number during the screening call, before treatment begins, with full transparency about what each component costs. There are no surprises.
No. The Evidence-Based Treatment Institute does not accept any health insurance plans, including Medicare and Medicaid. We are a private-pay-only practice. This is a deliberate clinical decision, not a gap in our credentialing. We are happy to provide superbills for out-of-network reimbursement if your plan includes OON benefits.
Potentially, yes, if your plan includes out-of-network mental health benefits. We provide detailed superbills that you submit directly to your insurer for reimbursement. PPO plans are most likely to offer meaningful OON coverage. We recommend calling the member services number on your insurance card before your first session to understand your specific benefits. We can provide our NPI and commonly used CPT codes to help you get an accurate answer from your insurer.
A superbill is an itemized receipt, generated by a licensed healthcare provider, that contains everything an insurance company needs to process an out-of-network reimbursement claim: your diagnosis code, the procedure codes for services rendered, the date of service, the fee paid, and our provider information. You submit the superbill to your insurer, and they reimburse you directly. We provide superbills to patients who request them, typically monthly or at the end of a treatment block.
Yes. Sessions at the Evidence-Based Treatment Institute are a qualified medical expense for both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You can pay with your HSA or FSA card at time of service; no additional paperwork or reimbursement process is needed. Using pre-tax HSA or FSA funds effectively reduces your out-of-pocket cost by your marginal tax rate.
This depends on the condition, its severity, and the format of treatment. For OCD and anxiety treated with weekly ERP, most patients see meaningful change within a focused course of treatment, typically a substantial but time-limited investment at our standard rate. For eating disorder treatment using FBT with adolescents, a full three-phase course typically unfolds over many months of weekly sessions. For intensives, the total cost is compressed into a shorter period, often making intensives more cost-efficient for patients who need a higher level of care. We discuss realistic cost expectations openly during your consultation, before you commit to anything.
We think so, and we'd rather let the clinical evidence make the case than make it ourselves. Eating disorders, OCD, and anxiety disorders that go untreated or undertreated have enormous costs: to functioning, to relationships, to educational and career trajectories, to physical health, and, particularly for eating disorders, to life. The cost of a completed, effective course of specialized treatment is, for most patients and families, a fraction of the cost of living with these conditions unresolved. We're not asking anyone to take that on faith. We'll discuss realistic expectations and outcomes with you directly.
We handle this the same way we handle every clinical decision: directly and with care. If cost becomes a barrier mid-treatment, we discuss your options openly: adjusting session frequency, transitioning to a maintenance schedule, providing a structured handoff to another provider, or helping you identify OON reimbursement resources you hadn't previously used.
Let's Talk About Fit, Fees, and What Treatment Would Look Like for You.
The best way to understand whether the Evidence-Based Treatment Institute is right for your situation, clinically and financially, is a direct conversation. We're transparent about everything: what we charge, what treatment involves, how long it typically takes, and what outcomes look like.
Fill out our brief new patient inquiry form and we'll be in touch within one business day. If we're not the right fit, clinically or financially, we'll tell you honestly and do our best to point you toward someone who is.
A clinician, not a scheduler, responds to every inquiry within one business day.
Request a Consultation