Coverage, Rates, and Insurance Information

Therapy Rates

We believe in transparency regarding our rates. Below is a list of our standard session fees:

• Individual Therapy (50-60 minutes): $110
• Couples Therapy (50-60 minutes): $140
• Family Therapy (50-60 minutes): $160
• Support Groups (90 minutes), and Workshops/Trainings (1 to 6 hours): TBD

Sliding Scale: We offer a sliding scale based on individual financial needs. Please contact us for more information or to discuss eligibility.

Insurance Coverage

We are currently in-network with several major insurance providers in MD, PA, NJ, VA, MA, and CO, including but not limited to:

• CareFirst BlueCross BlueShield in Maryland
• Carelon Behavioral Health in Maryland, Pennsylvania, New Jersey, Massachusetts, and Colorado
• Cigna in Maryland, Pennsylvania, New Jersey, Massachusetts, and Colorado
• Capital Blue Cross Pennsylvania in Pennsylvania
• Quest Behavioral Health in Pennsylvania, Maryland, New Jersey, Massachusetts, and Colorado
• Aetna in Pennsylvania, Maryland, New Jersey, Massachusetts, and Colorado
• Anthem Blue Cross and Blue Shield Colorado in Colorado

If you do not see your insurance provider listed, please feel free to reach out to verify coverage. We also accept out-of-network insurance, and can assist you with the necessary paperwork to seek reimbursement.

Please note: Insurance coverage for therapy services may vary depending on your specific plan. We encourage clients to contact their insurance provider to verify benefits prior to scheduling their first session. We offer therapy in Virginia, Pennsylvania, Maryland, New Jersey, Massachusetts, and Colorado.

Court-related services are provided on a private-pay basis and are not covered by insurance. Fees vary depending on the scope of the service, travel requirements, court involvement, documentation needs, and ongoing coordination.

Services may include:

• Home Studies 
• Therapeutic Visitation 
• Parenting Coordination
• Family Mediation
• Court Appearances/Testimony 
• Written Reports & Documentation 
• Travel Time 

A retainer or deposit may be required prior to the start of services. Additional fees may apply for court testimony, expedited reporting, cancellations, or extended travel.

Please contact First Thought Therapy directly for current rates, service availability, and a customized quote based on your court order or referral needs.

         **Court Services are not covered by insurance, and are instead out of pocket expenses**

We accept the following forms of payment:

• Above listed insurance (for insurance covered services)
• Credit/Debit Cards
• Cash
• Money Order

For those without insurance or those who prefer not to use insurance, payment is due at the time of service. If you have any questions regarding rates, insurance coverage, or payment options, please don’t hesitate to contact us. Our goal is to ensure that financial barriers do not prevent you from receiving the care you need.

In accordance with the No Surprises Act, First Thought Therapy is committed to providing transparent pricing and billing practices. As part of our commitment to helping you make informed decisions about your healthcare, we provide a Good Faith Estimate for all clients prior to initiating services.

A Good Faith Estimate is an estimate of the cost of services you may receive based on your specific needs. This estimate is provided to give you a clearer understanding of the expected costs, including any potential fees, and is not a guarantee of the final charges. Prices may vary depending on the services provided and your individual needs.

Important Information:

• The Good Faith Estimate will be based on the information we have at the time of your consultation.
• If you have insurance, this estimate will not reflect your insurance benefits, copays, or deductibles.
• If there is any change in the services provided, the final bill may vary from the initial Good Faith Estimate.
• If the actual charges are significantly different from the estimate, we will notify you as soon as possible.

You have the right to request a Good Faith Estimate at any time before or during your therapy sessions. If you believe your final bill exceeds the estimate by a significant amount, you can dispute the charges through your insurance provider or with the help of a third-party mediator.

For any questions or clarifications regarding your Good Faith Estimate, please contact our office, and we will be happy to assist you.