“Take the first step in faith. You don't have to see the whole staircase, just take the first step.”

— Martin Luther King Jr.

How to get started

Free Phone Consultations

We offer free 15-minute phone consultations. Phone consultations are a great tool to determine if you and your potential therapist will be a good match. From there, an appointment can be made for you to receive services.

Please use one of the options below to schedule your free phone consultation:

Insurance

We are in network with the following insurances:

Private Insurance:

  • Aetna

  • Anthem Blue Cross Blue Shield

  • Cigna

  • Sentara (Formerly Optima)

  • United Healthcare

Medicaid:

  • Anthem Healthkeepers

  • Sentara

  • United Healthcare

For Optum and EAP please contact our office!

Self Pay Rates

Licensed Therapist

Evaluation (Intake) - $225

Individual Therapy 60 min - $200

Individual Therapy 45 min - $165

Individual Therapy 30 min - $110

Family psychotherapy without the patient present - $175

Family psychotherapy with the patient present - $200

Provisionally Licensed - Resident

Evaluation (Intake) - $175

Individual Therapy 60 min - $150

Individual Therapy 45 min - $125

Individual Therapy 30 min - $75

Family psychotherapy without the patient present - $125

Family psychotherapy with the patient present - $150

Payment

We accept all major credit/debit cards.

Frequently Asked Questions

  • Please notify our office as soon as possible if your insurance coverage changes. Providing updated insurance information before your appointment helps prevent claim delays and unexpected balances.

  • Clients are ultimately responsible for any charges not covered by their insurance plan, including deductibles, copays, coinsurance, non-covered services, or claim denials. Our team is happy to discuss payment options and answer questions regarding billing.

  • In many cases, yes. Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) may be used for eligible mental health services. Please check with your plan administrator for details.

  • You can contact your insurance company using the phone number listed on the back of your insurance card. We also recommend asking about your outpatient mental health benefits, copay or coinsurance amounts, deductible status, and whether a referral or prior authorization is required.

  • In most cases, insurance requires that one individual be identified as the primary client receiving treatment. This individual must have a diagnosable mental health condition that is medically necessary for treatment and will be the person whose insurance is billed for services.

    Although multiple family members or partners may participate in sessions, the treatment is centered on the needs and goals of the identified client. Insurance companies generally do not cover relationship counseling or family therapy when there is no identified client receiving medically necessary treatment.

    For family therapy services, all participating family members may be required to complete and sign the appropriate consent and intake documents before treatment can begin.

    If you have questions about whether your situation qualifies for insurance coverage, our team can help review your options before scheduling.

  • No. Insurance companies do not cover missed appointment fees, late cancellation fees, or administrative charges.


Insurance coverage and reimbursement are determined by your individual insurance plan. Coverage for services is not guaranteed, and clients are responsible for any balances not paid by their insurance carrier.

Below you will find some questions to ask your insurance carrier when checking your coverage/benefits:

  • Do I have mental heath or behavioral health coverage?
  • What’s my deductible for in-network mental health benefits?
  • Is there a limit on sessions your plan will cover per year?
  • How much is my co-payment for mental health services?
  • Does my plan require pre-authorization for psychotherapy?
  • Do I have out-of-network mental health benefits ?

Cancellation Policy

You will be charged a $125 cancellation fee if you do not cancel your session within 24 hours.

You will also be charged a $125 fee if you are a no show.

Credit Card Policy

All clients are required to keep a credit card on file. 

COW will bill your insurance company first and upon their determination of benefits, we will only charge your credit card when they inform us of patient responsibility. 

Circumstances when your card would be charged include, but are not limited to:

  • Co-payments, deductible and co-insurance
  • Missed or cancelled appointments without 24-hour notice
  • Missed co-payments, deductible and co-insurance
  • Any non-covered services and/or denial of services allocated to patient responsibility
  • Any amount not paid by your insurance 60 days after a corrected claim has been filed