Online therapy · California, Colorado & Florida
Fees &
Insurance
Know what to expect.
Therapy is an investment of your time, energy, and finances. You deserve clear information as you decide what fits your life. Grow & Grace Therapy welcomes new private-pay clients for online therapy in California, Colorado, and Florida.
Book a free consultation (opens in a new tab)15 minutes · by phone · no pressure
Session rates
Clear fees.
Room for your questions.
Initial intake
Time to understand what brings you here and begin planning our work together.
Individual therapy
Ongoing sessions shaped around your needs, goals, and everyday life.
Accessibility
Reduced-fee
availability
I offer a limited number of reduced-fee appointments based on financial need and availability. If the standard fee feels out of reach, please ask during your consultation so we can discuss what may be manageable.
Payment options
Insurance &
private pay
Insurance billing is handled through Headway. Accepted plans vary by state:
- California: Aetna, United Healthcare/Optum/Oscar, and Providence Health Plan. Anthem is currently waitlisted and is available in California only.
- Colorado: Aetna, United Healthcare/Optum/Oscar, and Providence Health Plan.
- Florida: Aetna, Carelon Behavioral Health, United Healthcare/Optum/Oscar, and Providence Health Plan.
Please confirm coverage and benefits for your specific plan before your first appointment.
Private-pay clients can begin based on current availability without using insurance. We’ll discuss payment arrangements before your first session.
Reimbursement
Out-of-network benefits & superbills
Depending on your insurance plan and my network status, you may be eligible for partial reimbursement for private-pay sessions. When applicable, I can provide a superbill—a detailed receipt—to submit to your insurance company.
Please confirm eligibility with your insurer before starting therapy. Paying privately does not automatically make a session eligible for out-of-network reimbursement, and reimbursement is not guaranteed. Payment is due at the time of your session.
Questions to ask your insurer:
- Do I have out-of-network outpatient mental health benefits?
- What is my deductible, and how much remains?
- How is reimbursement calculated after my deductible is met?
- Are there session limits, referral requirements, or preauthorization rules?
- How do I submit a superbill?
Practice policies
Cancellations &
missed appointments
Please give at least 24 hours’ notice to cancel or reschedule. I offer one courtesy waiver for a late cancellation, no-show, or late reschedule. After that, the full $180 session fee applies. Insurance does not cover these fees.
You may cancel by email or text. I provide a 10-minute grace period for late arrivals, send a reminder text after 5 minutes, and cancel the session after 10 minutes if I have not heard from you.
Your rights
Good Faith
Estimate
If you are uninsured or choose not to use insurance, you have the right to receive a Good Faith Estimate explaining the expected cost of your care. You can request an estimate before scheduling and will receive information about expected costs during intake.
If a bill from a provider is at least $400 above that provider’s estimate, you may be eligible to dispute it. Keep a copy of your estimate and visit CMS’s medical bill rights information for details.
There’s room for you here
Let’s talk through
your options.
You don’t need to have everything figured out before reaching out. A free consultation is a chance to ask questions about therapy, fees, and availability and see whether working together feels like a good fit.
Book a free consultation (opens in a new tab)Prefer email? susan@growandgracetherapy.net
For scheduling questions, please keep emails brief and avoid sensitive clinical details.
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