Insurance and Fees

I know you value your mental health and well-being, that’s why you’re here.

Affordable Mental Health Care

At Fostering Fortitude, we believe that specialized mental health care should be accessible to all. Our competitive cash pay prices reflect our commitment to making quality care attainable in today's mental health landscape.

Insurance Accepted

We are proud to work with the following insurance providers:

  • Ohio Healthy

  • OSU

Please note that being insured or covered does not always mean your care is paid in full. Copays and co-insurance can vary widely, typically ranging from $0 to $110+. Your specific costs depend on your individual plan, which is an agreement between your employer and your insurance company.

Cash Pay Pricing

For those preferring to pay out-of-pocket or using out-of-network benefits, our transparent pricing structure is as follows:

  • 60-minute session: $150

  • 90-minute session: $225

  • 120-minute session: $280

Payment Options

We strive to make the payment process as convenient as possible. We accept:

  • Cash

  • Check

  • All major credit cards

For your convenience and to streamline our services, we require a credit card to be kept on file. This card will be charged at the time of service unless you specify an alternative payment method.

Cancellation Policy

If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you will be charged the full fee of the session, $150.

Your Path to Better Mental Health

Investing in your mental health is invaluable. Whether you're using insurance or opting for our competitive cash pay rates, we're here to support you on your journey to wellness.

Why We’re Embracing a Direct-Care Model

At Fostering Fortitude, we believe in providing the highest quality mental health care while respecting your privacy and individual needs. After careful consideration, we've decided to move away from accepting insurance. Choosing to privately pay for therapy offers a level of autonomy and confidentiality that many find invaluable in their mental health journey. Let's explore the empowering benefits of this approach.

Here's why this change benefits you:

Your Story, Your Terms

When you opt for private pay therapy, you're in control of your narrative. There's no need for labels or diagnoses that don't truly reflect your unique situation. Your medical record remains free from potentially stigmatizing or unnecessary classifications, allowing you to focus on growth and healing without the burden of a formal diagnosis. Your mental health journey is personal, and I believe it should stay that way. When insurance companies are involved, they have the right to audit client records, potentially compromising your confidentiality. They may even decline authorization for sessions based on their perception of your progress or their definition of "medical necessity."By moving to a direct-care model, we ensure that you, and only you, have the power to decide who accesses your medical records. Your story remains yours to share.

Tailored Care, Not Cookie-Cutter Diagnoses

Insurance companies operate on a medical model that requires a diagnosis for every client. This approach doesn't always align with the nuanced nature of mental health. Some of life's challenges that bring people to therapy - like relationship stress or personal growth - don't neatly fit into diagnostic categories.Our direct-care model allows us to focus on your unique needs and goals, without the pressure to assign a diagnosis that may not truly reflect your situation. With private pay therapy, your treatment isn't bound by insurance company restrictions. You and your therapist have the freedom to explore whatever approaches work best for you, unrestricted by predetermined session limits or approved treatment methods. This flexibility allows for a truly personalized experience, adapting to your needs as you progress.

Transparent and Fair Pricing

"Covered by insurance" doesn't always mean "paid for." In recent years, many have seen their insurance premiums, deductibles, and co-pays increase, while the reimbursement rates for therapists have stagnated. This disconnect can lead to unexpected out-of-pocket costs for clients.By cutting out the middleman, we can offer transparent, competitive pricing that often ends up being more affordable than high co-pays or out-of-network fees. Plus, you'll have a clear understanding of your investment in your mental health from the start.

A Circle of Trust

Imagine a space where your thoughts and feelings are truly your own. Private pay therapy creates this sanctuary. Your sessions remain between you and your therapist, fostering an environment of absolute confidentiality. You have the power to decide who knows about your therapeutic journey, ensuring your privacy is respected at every step.

Your Pace, Your Progress

How long should therapy last? With private pay, that decision rests solely with you and your therapist. There's no pressure from insurance companies to wrap up before you're ready. You have the liberty to continue your therapeutic journey for as long as you find it beneficial, ensuring you achieve the growth and healing you desire.

Invest in Yourself

Choosing private pay therapy is more than a financial decision—it's an investment in your wellbeing, privacy, and personal growth. It's a commitment to yourself, free from external influences, allowing you to focus entirely on your mental health journey.Embrace the freedom, confidentiality, and personalized care that private pay therapy offers. Your mental health deserves this level of dedication and discretion. Take the first step towards a more empowered you today.

MENTAL HEALTH CARE GOOD FAITH ESTIMATE

You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.

Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical and mental health services. 

You have the right to receive a Good Faith Estimate for the total expected cost of non-emergency medical and mental health care services. This includes costs related to mental health counseling and therapy services (evaluation and psychotherapy). 

Your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical or mental health service. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service. 

That will be available to you prior to you being seen for services and prior to any billing and is available to you in the informed consent.  In most cases it is impossible to estimate how many sessions you will need, and that will not be determined until your concerns are evaluated and will also vary based on the progress that you make, which depends in part on your efforts with the process.  You will be free to discontinue services at any time or the services may otherwise be terminated in accordance with the informed consent form language.

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. 

Although the No Surprises Law says that you may initiate a dispute process if the actual charges are substantially in excess of the Good Faith Estimated charges, i.e. if you are charged $400 more than the estimated cost for a session or for the total estimate provided, that is unlikely to happen and would be a violation of licensing board rules, since you will be agreeing up front to actual charges per session prior to being seen. 

The Informed Consent process that occurs during registration includes our Financial Policies and Service Fees, and you can reference fees when you read and sign the informed consent before treatment begins.

Visit www.cms.gov/nosurprises for more information about your right to a Good Faith Estimate.