Investing in Your Mental Health
Starting therapy is an investment — emotionally, financially, and personally. At Kelly Family Therapy, we aim to make the process as clear, supportive, and manageable as possible so you can focus less on logistics and more on getting the care you need.
We believe therapy works best when clients feel informed, supported, and able to make decisions that align with their needs and values.
Psst. . .You Don’t Need to Have Everything Figured Out
Many clients come to this page already feeling overwhelmed—by stress, insurance questions, finances, or the pressure to make the “right” decision.
You don’t need to understand everything before reaching out.
My goal is to make the process feel clear, supportive, and manageable so you can focus on getting the care you need—not navigating confusing systems alone.
Session Fees
Service Length Cost
Initial Consult (optional) 15 minutes Free
Individual session 55 minutes $150
Extended session 120 minutes $325
EMDR Intensives See EMDR page
Cancellation Fee
Sessions missed or canceled with less than 24 hours notice will be subject to a cancellation fee.
Accepted payment forms:
Credit/debit cards
HSA/FSA cards
Cash
Check
Payment is due at the time of service.
In-Network Insurance
Kelly Family Therapy is in-network with these commercial plans:
Aetna
UnitedHealthcare / UMR
If we are in-network with your plan, your cost may include a copay, coinsurance, or deductible amount depending on your specific benefits.
Because every insurance plan is different, we encourage clients to contact their insurance provider before beginning therapy to better understand their coverage and expected costs.
Insurance and Payment Options
Using Your Out-of-Network Benefits
Even if I’m not in-network with your insurance plan, many PPO plans offer out-of-network reimbursement for therapy services.
This means you may still receive partial reimbursement while working with a therapist who feels like the right fit for you.
Here’s how it works:
You pay the session fee at the time of service
We provide you with a superbill (a detailed receipt for therapy services)
You submit the superbill to your insurance company
Depending on your plan, your insurance may reimburse a portion of the cost
Reimbursement amounts vary by plan, but many clients are able to recover a portion of their therapy expenses.
Opting Out of Insurance
While insurance can be a helpful resource, many people intentionally choose private-pay therapy for greater flexibility, privacy, and individualized care.
Avoiding insurance and opting for ‘private pay’ allows you:
More personalized treatment approaches
Greater flexibility in session frequency and length
Increased privacy and confidentiality
Freedom from insurance-required diagnoses or treatment limitations
A focus on your goals rather than insurance requirements
For many people, therapy becomes one place where they can step outside of pressure, expectations, and systems that make them feel reduced to a diagnosis or checklist.
Whether you choose to use insurance, out-of-network benefits, or private pay, our goal is to help you find an option that feels supportive, sustainable, and aligned with your needs.
Questions To Help Understand Your Coverage
Insurance can feel overwhelming, especially when trying to understand deductibles or out-of-network coverage.
If you're unsure how to do this, we’re happy to walk you through it.
Here are some helpful questions to clarify your benefits:
Do I have mental health benefits for outpatient therapy?
Is Caroline Kelly, LPCC/Kelly Family Therapy in-network or out-of-network?
What is my deductible?
What is my copay or coinsurance for therapy sessions?
Do I have out-of-network benefits?
How much do my plan reimburse for out-of-network services with a superbill?
Sliding Scale
A limited number of sliding-scale spots are available based on financial need and availability through partnership with Open Path Collective.
We believe access to quality mental health care matters and do our best to support clients in finding an option that feels sustainable whenever possible.
Good Faith Estimate
Under the No Surprises Act, you have the right to receive a Good Faith Estimate explaining the total expected cost of any non-emergency services.
FAQs
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Absolutely! Therapy is a place to reflect and explore without judgment. It is an opportunity to receive support, validation, new ideas and perspectives to help shift your own experience and behaviors. Growth can be uncomfortable at times, but I can let you know that you won’t have to experience that alone. I can’t tell you how long it will take to feel better but more often than not, the more you put in, the more you will get out of therapy.
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The answer to this depends on treatment needs and goals. I want therapy to work for you which means scheduling needs to also reflect your time and financial abilities. Sessions typically start at weekly intervals. However, when appropriate, I’ve had individuals meet every other week. That may mean progress moves a bit slower and/or requires more work outside of session. Let’s chat together about what would work best for you or your loved one.
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Feeling comfortable with your therapist or anyone else, relies on chemistry and open communication. If we decide to work together, I encourage you to share if something I say bothers you or if I disappoint you in any way. Disappointment is a normal part of relationships and life, and in therapy, we aim to address and overcome it together.
Another thing to consider in finding a therapist is to research any specialities that you may be interested in and find therapists trained in those. I regularly encourage people to ‘shop around’ as you begin therapy to ensure you feel confident with who you are working with.
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Yes!
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No, I cannot prescribe medications. You will need to see a medical doctor or nurse practitioner for medications. Your primary care physicians or I can provide you with referral ideas in your search for a prescriber.
You don’t need to have everything figured out before reaching out. Whether you have questions about insurance, private pay, or where to begin, we’re happy to help you explore what support could look like.