— FEES & INSURANCE
We understand that figuring out insurance and the cost of therapy can be overwhelming, but don’t let it keep you from reaching out. We’re here to help you understand your options, and make the process as smooth as possible.
Insurance Coverage
Insurance We Accept
Whole Mind Therapy and Counseling accepts several major insurance plans for online therapy across Massachusetts.
Insurance participation varies by clinician and specific plan. See our Our Team page for the insurance plans accepted by each therapist.
Private Pay Options
Private Pay Rates
If you prefer not to use insurance or are seeing a therapist who is out of network with your plan, the following private pay rates apply.
Individual Therapy
45-minute session
Individual Therapy
60-minute session
Initial Evaluation
Initial assessment
Payments are collected through secure autopay. We accept major credit cards and HSA cards.
Private-pay offers flexibility without session limits or mandatory mental health diagnoses that are shared with insurance providers.
Cancellation Policy: We ask for at least 24 hours' notice when canceling or rescheduling an appointment to avoid a cancellation fee.
Using Your Benefits
Out-of-Network Benefits
Some clients may have out-of-network (OON) benefits. In many cases, these benefits offer reimbursement similar to or even greater than the standard copay amount.
We offer a superbill—a detailed insurance reimbursement statement—with all the information you need to submit to your insurance for reimbursement.
If you have questions about using your out-of-network insurance benefits, please don’t hesitate to reach out—we’re here to help!
For more details, see our guide on how to make the most of your out-of-network benefits here.
Have Questions?
Questions About Insurance or Fees?
If you have questions about insurance, private pay, or getting started with therapy, please reach out. A free 15-minute consultation is an opportunity to ask questions, discuss your options, and see whether Whole Mind is a good fit.