Our Rates & Insurance
Building Bridges To Access Care
A bridge to healing begins with intention
Finding the right therapist is important—and starting therapy is easier when you have payment options that fit your life and your budget.
At Harmony Harbor, increasing access to high-quality mental health care is at the heart of our mission, which is why we’ve created a variety of options designed to support a wide range of individuals and families.
Peace Of Mind From The Beginning
Introducing Our Harmony Access Program
An Intentional Community Care Initiative
At Harmony Harbor, we believe mental health care can be both exceptional and accessible.
As advocates—not just clinicians—we created the Harmony Access Program (HAP) to help more individuals and families find a safe harbor for healing. The Harmony Access Program serves as a bridge, offering multiple ways to access compassionate, evidence-based care while honoring each person’s circumstances.
Through this intentional community care initiative, we work to reduce financial barriers by offering flexible options including income-based fees, insurance pathways, out-of-network reimbursement support, HSA/FSA payments, CareCredit®, and community-sponsored assistance. Because when we say we care, we believe access to healing should reflect it.
Your Bridge to Care Includes:
- Expanding in-network insurance options
- Out-of-network reimbursement support
- Harmony Access income-based reduced fee program
- HSA/FSA and CareCredit® payment options
- Community partnerships and sponsored care opportunities
Like a compass guiding a ship safely home, the Harmony Access Program helps you navigate the financial side of therapy so you can focus on what matters most. Every option we offer is guided by our commitment to our community, valuing diversity and inclusive care, and sustainable clinical excellence.
For more information on our Harmony Access Program (HAP), see the FAQ Section below and contact us. We look forward to hearing from you and supporting your next steps.
Practice Rates & Payment Options
Initial Appointment Rates
Licensed Clinician:
Individual Biopsychosocial, 55 mins: $250
Couples/Family/Relationship, 90 mins: $385
State-Registered Intern with on-site Supervision:
Individual Biopsychosocial, 55 mins: $175
Couples/Family/Relationship, 90 mins: $360
Ongoing Rates
Licensed Clinician:
Individual Psychotherapy, 50 mins: $225
Couples/Family/Relationship Therapy, 60 mins: $260
State-Registered Intern with on-site Supervision:
Individual Psychotherapy, 50 mins: $155
Couples/Family/Relationship Therapy, 60 mins: $240
For more information on income-based rates, see the FAQ Section below, and please contact us directly.
Insurance Options
We are in-network with Curative and remain out-of-network (OON) with other insurance providers, but check back soon as we are in the process of applying to become a Medicare provider and additional commercial insurance plans.
For clients who have out-of-network (OON) benefits, we have partnered with Mentaya to help you save as much as possible on therapy.
We can still provide you a superbill for you to submit to your insurance company for reimbursement, if you prefer.
To see if you qualify for reimbursement for our services, use this FREE tool below to check your benefits.
For more information on income-based rates, see the FAQ Section below, and please contact us directly.
Forms of Payment
We also accept cash, checks, HSAs, Care Credit, and all major credit cards.
@harmonyharbor
@harmonyharbor
support@harmony-harbor.com
Autopay Option
The autopay option can help therapy feel more manageable. We securely store a card in your portal, which is charged the day of service. This option is especially helpful if you have a 3rd party payor. You can update your card or form of payment whenever you like.
Getting Started
Reserve your first appointment with a $100 deposit for individuals and $200 for couples or families, which will be applied to the total cost of your initial session. The deposit is non-refundable (you can reschedule one time, if needed, providing you give us 24-hour notice).
Our kind and responsive Client Care Coordinators are here to help make getting started as easy as possible and can help you explore all of your payment options, including income-based fees through our Harmony Access Program.
Call or Text us to get started today!
(941) 867-0047
Join Mentaya
- Have out-of-network benefits
- Feel overwhelmed by superbills and insurance
- Have submitted superbills but failed to get any reimbursement
- Simply want to skip the hassle of paperwork!
Here's How It Works:
- Sign up with Mentaya
- Our practice will then enter your sessions into the platform.
- Mentaya submits the claim and handles any insurance follow-up.
- You get reimbursed by insurance either by check or direct deposit!
Mentaya charges a 5% fee per claim, which includes handling any paperwork required, dealing with denials, and calling insurance companies.
It’s risk-free: They guarantee claims are successfully submitted, or a full refund of their fees.
Frequently Asked Questions
Mentaya & Out-of-Network Benefits
Mentaya is a service that helps clients use their out-of-network benefits by handling claims submission and insurance communication on their behalf.
They verify your benefits, submit claims, and advocate for reimbursement—reducing the time and stress involved.
Yes. We can provide a superbill for you to submit independently. Mentaya simply streamlines and manages the process for you.
Not always. Coverage depends on your specific plan. Mentaya helps ensure you receive the maximum reimbursement available under your policy.
Medicare & Insurance Participation
Yes, we hope to be a Medicare provider soon and will update our website as soon as we are approved.
Yes, we are in-network with Curative and pursuing additional commercial plans such as Aetna, Optum/UHC, and BCBS.
Many insurance panels are closed or not accepting new providers. In many cases, participation is not available—even when we apply. Or, the reimbursement rate is so low that it would not be sustainable to remain open with current costs.
Using Insurance vs. Private Pay
No. Many clients choose private pay for increased flexibility, privacy, and access to specialized care.
Yes. Insurance companies require a mental health diagnosis for reimbursement.
Yes. You can choose the option that feels most aligned with your needs and preferences.
Insurance may impose limits on session frequency, length of care, and even the types of therapy or diagnoses it covers. They can request to review the treatment and records, at any time, and make determinations without ever having met the client. Sometimes, they even claw money back.
When you choose private-pay, then therapy is guided by your needs and does not require a diagnosis to explore growth, identity, or life transitions. Private pay also allows for a broader range of evidence-based and innovative therapies often not covered by insurance.
Yes we offer income-based rates through our Harmony Access Program (see below).
Harmony Access Program
We offer income-based rates similar to a “sliding scale fee.” We take into account clinician experience and have 3 tiers of expertise including licensed clinicians, state-registered interns who are supervised on-site, and master-level students.
Most anyone is eligible and those who find themselves in one of the following situations are best suited:
- insured but we don’t take your specific plan
- insured with a high-deductible plan
- prefer to not share info with health insurance
- families in temporary hardship
- anyone currently uninsured
- not eligible for a sponsorship option
The Harmony Access Program determines the actual rate based on the client’s self-attestation of annual household income. Documentation is not routinely requested, but could be in some cases. We prefer to rely on the honesty of our community so that reduced-fee appointments remain available for individuals and families who need them most. We offer a fair range of fees based on local community financial demographics and pair them with clinician training level. Each clinician has a fee associated with each service that adjusts based on the total annual household income range. Let us know what range you fall in for your annual household income and we will be able to tell you, the adjusted rate for a service.
- Under $60,000
- $60,000–89,999
- $90,000–124,999
- $125,000–174,999
- $175,000–249,999
- Above $250,000
Here is an example of the possible range of rates for a 55-minute individual psychotherapy session based on clinician experience and annual household income:
- Licensed clinicians rates range from $150 to $225.
- Supervised State-registered interns rates range from $105 to $155.
- Master-level students rates range from $85 to $110.
Yes the rates are based on total annual household income. Here is an example of the range of rates for a 60-minute couples session:
- Licensed clinicians rates range from $160 to $260
- Supervised State-registered interns rates range from $140 to $240
Cancellation & No Show Policy
We understand that life can be unpredictable, and sometimes appointments need to be changed. If you need to cancel or reschedule, please let us know at least 24 hours in advance. Appointments canceled with less than 24 hours’ notice, or missed entirely, will be billed at the full session fee. Two missed appointments or two unpaid sessions may result in a pause in care to allow for time to get things sorted out.
You’re always welcome to reach out to cancel or reschedule by messaging your therapist directly, calling or texting us at (941) 867-0047, emailing admin@harmony-harbor.com, or logging into the portal and requesting to cancel/reschedule.
(Note: unfortunately, insurance does not cover missed sessions).
Ready to get scheduled or still have questions?
Skip the phone tag and book a Free Consultation and we will call you back at a time that is convenient for you.
