Schedule a Consultation

We offer a free 20-minute phone consultation for prospective clients to discuss our services, payment options, and scheduling.  Please send us an email to schedule a consultation with one of our therapists.

Billing Practices

Our current out-of-pocket rates vary depending on level of therapist (see below). We offer a lower out-of-pocket rate when working with resident therapists, and a discounted rate when working with counseling student interns. See below for our fees and insurances.

Clients are responsible for payments at the time of services. We accept payments through HSA cards, and all major credit cards. The fee for missing a scheduled appointment, or for cancelling with less than 24-hours notice is the full out-of-pocket session fee. Clients more than 15 minutes late to a scheduled session will be charged the missed appointment fee.

At Keystone Therapy Group, our therapists work in-network with some insurances, and out-of-network with others. Network participation varies by therapist level and credentialing status. You may view individual therapists on our About Us page. For billing and insurance questions, please email [email protected].

In-Network Insurance Plans

We are in-network with:

  • BCBS BlueChoice
  • BCBS CareFirst
  • BCBS CareFirst Federal (FEP)
  • Cigna Behavioral Health (Cigna PPO)
  • Cigna EAP
  • GEHA
  • Optum/United Behavioral Health
  • UMR

We are certified out-of-network providers with:

  • TriCare East (see + below)

Out-of-Network Fees

Fees listed below apply to clients who are paying out-of-pocket, and apply to 50-minute sessions:

  • Licensed Master's Level Therapists: $175/session
  • Resident Doctoral Level Therapists: $155/session
  • Resident Master's Level Therapists: $140/session
  • Student Master's Level Therapists: $60/session

*Note: Student therapists are not able to submit any claims to insurance networks, and superbills will not be provided for their services.

We are not in-network with BCBS Anthem, Medicaid or Medicare plans. We can provide superbills for clients with these plans.

Using Your Insurance

If you would like to use your insurance for therapy services, please first call the number on the back of your insurance card to verify your coverage and payments for mental health psychotherapy services prior to scheduling an appointment. Clients are responsible for understanding their insurance coverage, session payments, copays and coinsurance. If a client meets with a therapist, and the insurance is found to be out-of-network or inactive, the client will be charged the full out-of-pocket session fee. *Note: most insurance plans restart annually, requiring clients to meet a deductible before having lower fees of a copay or cosinsurance. Fees paid to Keystone may increase at this time until deductibles are met.

To file for out-of-network reimbursement:

Contact your insurance company to verify that they reimburse for out-of-network providers for mental health psychotherapy services. Make sure to specify the type of therapy you are seeking (individual, family, couples or group). *Note: career/college counseling is typically not covered or reimbursed by insurance unless filed with a mental health diagnosis.

Billing will supply clients with a monthly superbill indicating dates of sessions and client payments made. Clients can then submit this to their insurance for reimbursement of a portion of the fees, as determined by their insurance plan.

+Certified out-of-network with Tricare means our credentials have been reviewed by Tricare to meet the standard requirements to allow for out-of-network reimbursement. With this designation, our Tricare clients are eligible to submit superbills to Tricare for reimbursement of a majority of the out-of-pocket fees.

Licensed Therapists

Licensed therapists have completed a Master's program in counseling practice or education, a 2+ year clinical residency, and passed the National Clinical Mental Health Counselor Exam. Licensed counselors maintain their licenses in good standing with annual trainings and CEUs.

Out-of-pocket rates for licensed counselors are $175 per 50-minute session. Our licensed therapists are also in-network with a few insurances, and accept a discounted rate for clients using their benefits.

Resident Therapists

Resident therapists have completed their Master's degree in counseling practice or education, and are currently in their 2+ year residency towards their license. All residents are under clinical supervision of a board approved Licensed Clinical Supervisor.

The out-of-pocket rate for resident therapists is $140 per 50-minute session. Resident therapists are able to accept above insurance plans as they are billed under a supervisor who is in-network.

Student Therapists

Student therapists are currently in their graduate program pursuing a Master's degree in counseling practice or education. All student interns are under clinical supervision of a board approved Licensed Clinical Supervisor at Keystone, as well as a faculty supervisor with their degree program. The out-of-pocket rate for student therapists is $60 per 50-minute session. Reimbursement through insurance is not available when seeing an intern.