Fees & Insurance Information
A lot of people have questions about cost, payment, and insurance before starting therapy. We want to make all of that information easy to find and understand, so that you can make decisions that feel right for you. Below, you’ll find our session rates, info about payment, insurance information, and options for lower-cost care.
Session Rates & Pricing
The cost of your care varies depending on the level of experience of the clinician you work with:
Therapy Services with a Clinical Intern: $80 for a 50-minute session.
Therapy Services with a Postgraduate Licensed Clinician: $170 for a 50-minute session.
Therapy Services with Andi Erpenbach, LMFT: $180 for a 50-minute session.
Therapy Services with Kate Stewart, LMHC: $250 for a 50-minute session.
Can I use my HSA or FSA card?
Yes! You can absolutely use your HSA or FSA card for psychotherapy services because our team consists of qualified healthcare providers.
(Please note: Working with an intern or engaging in specialized dating coaching is generally structured differently, so we always recommend verifying specific plan eligibility with your provider).
Insurance and Out of Network Information
Modern Therapy Seattle is out-of-network for all insurance plans.
Here’s what that means in practical terms:
You pay the full session fee at the time of service.
We can provide a superbill for you to submit to your insurance company.
If your insurance offers out-of-network reimbursement, it is paid directly to you.
Insurance coverage varies widely. We cannot guarantee reimbursement, so we recommend reaching out to your insurance provider beforehand to review your out-of-network benefits.
Why don’t you take insurance?
TL;DR: Insurance companies don’t make it easy to receive therapy, and the rules they require often don’t align well with how we practice or the kind of care our clients are seeking.
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Insurance Requires a Mental Health Diagnosis: Insurance companies only pay for therapy they determine to be "medically necessary." To meet that requirement, therapists must assign a mental health diagnosis and submit it to your medical record. While helpful for some, it doesn't fit experiences like relationship growth, identity exploration, sexuality, communication, life transitions, or burnout.
Insurance Limits Privacy and Confidentiality: Using insurance means sharing sensitive clinical documentation, diagnoses, and records with a third party who ultimately dictates how many sessions are "allowed." Staying out-of-network protects your privacy.
Insurance Dictates How Therapy Is Done: In-network rules restrict how often sessions happen, how long treatment lasts, and what therapy is "for." We prefer to collaborate with you directly on pace and goals.
Couples, Relational, and Sex Therapy Are Rarely Covered: Most insurance plans do not cover couples therapy, relationship counseling, polycule/chosen family work, or sex therapy because they are not viewed as treating an individual mental illness.
(Please note: Billing insurance for couples therapy as individual therapy is not allowed and puts clinicians' licenses at risk).
Good Faith Estimates (No Surprises Act)
This form is mostly administrative paperwork. Your session fees won’t change, and it exists simply to give you clear cost information upfront.
As part of starting therapy with us, you will receive a Good Faith Estimate as part of your intake paperwork prior to your first session. This is required under the federal No Surprises Act to protect clients from unexpected out-of-network costs.
You’ll receive the estimate before your first session.
You don’t need to do anything special—just review it so you know what to expect.
If anything looks unclear, you can always ask us for clarification. You can also learn more about the No Surprises Act online.
