Our Fees
Delivering Excellence with Clarity
Clear agreements create peace of mind, so we can focus fully on your care and healing.
Our goal is to offer the highest level of care in a way that feels supportive and collaborative. By agreeing on clear financial arrangements together, we create a foundation of trust that allows the focus to remain on your journey.
Fees for Service by Provider
- Providers who hold a doctoral degree (e.g. PhD, DSW, EdD, PsyD) have advanced training and experience in clinical psychology, counseling, social work, and/or education.
- Initial Intake Session (55 min) – $250
- Standard Session (55 min) – $220
- Providers with a Master’s Degree hold Florida State licenses in mental health counseling, clinical social work, or marriage and family therapy, and have years of experience, are Florida State-approved Qualified Supervisors, or hold specialized training and certificates.
- Initial Intake Session (55 min) – $220
- Standard Session (55 min) – $200
- Providers with a Master’s Degree hold Florida State licenses in mental health counseling, clinical social work, or marriage and family therapy, and have 3+ years of experience, or hold specialized training and certificates.
- Initial Intake Session (55 min) – $200
- Standard Session (55 min) – $185
- Providers with a Master’s Degree hold Florida State licenses in mental health counseling, clinical social work, or marriage and family therapy and have completed 2+ years post-graduate work to meet state requirements for licensure.
- Initial Intake Session (55 min) – $185
- Standard Session (55 min) – $165
- Registered Interns hold Master’s Degrees in mental health counseling, clinical social work, or marriage and family therapy and are in the 2nd year of fulfilling the State of Florida’s post-graduate requirements toward licensure– including a minimum of 1500 client hours and 2-years under the direct care of a Florida State-approved Qualified Supervisor.
- Initial Intake Session (55 min) – $165
- Standard Session (55 min) – $150
- Registered Interns hold Master’s Degrees in mental health counseling, clinical social work, or marriage and family therapy and are in the process of fulfilling the State of Florida’s post-graduate requirements toward licensure– including a minimum of 1500 client hours and 2-years under the direct care of a Florida State-approved Qualified Supervisor.
- Initial Intake Session (55 min) – $150
- Standard Session (55 min) – $140
- Student Interns are in the 2nd year of their Master’s program in counseling, social work, or marriage and family therapy. They are supervised on-site and through their school program.
- Initial Intake Session (55 min) – $100
- Standard Session (55 min) – $90
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 (unfortunately, insurance does not cover missed sessions).
If something comes up and you don’t arrive at your scheduled time, your counselor will usually give you a quick call a few minutes into the session just to check in. 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.
Payment Information
How do I pay for my sessions?
We want payment to feel easy and stress-free so we can focus on your care. You can securely store a card in your client portal, and with our autopay option, your card will be charged the day of service. The autopay option is especially helpful if you have a third party payor for your treatment. You can update your card or form of payment whenever you like. Payment is due in full on the day of service.
Initial Appointments
To reserve your first appointment, we ask for a $100 deposit, which is applied toward the cost of your initial session. Because we’re setting aside that time especially for you, the deposit is non-refundable (you can reschedule one time, if needed, providing you give us 24-hour notice). This helps us keep our schedule dedicated to each client’s needs and ensures you have the time you need with your provider.
Accepted Forms of Payment
We accept cash, checks, HSAs, and all major credit cards.
We also accept:
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Insurance
We are currently out-of-network (OON) with all insurance providers, but check back soon as we are in the process of applying to take some insurance plans.
For clients who have 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.
Building Bridges For Access to Care
Whether you use out-of-network benefits, private pay, or future insurance options, our goal is to provide transparent guidance and thoughtful support as you choose the path that best fits your needs.
For more questions, see our FAQ Section below.
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
We are currently in the process of becoming Medicare providers and will update our website as soon as we are approved.
At this time, we are not in-network with most commercial plans due to panel limitations and restrictions. We are exploring options as availability allows.
Many insurance panels are closed or not accepting new providers. In many cases, participation is not available—even when we apply.
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.
While we do not verify your income for a sliding scale, we do offer adjusted rates based on need. All of our counselors agree to adjust rates for clients in need and will work with you to meet your treatment goals as much as possible. We do not discount the first appointment, but based on your treatment goals and needs, we will do our best to accommodate our clients’ financial circumstances.
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.
