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Transparent Information About Payment, Reimbursement and Out-of-Network Benefits

Therapy Fees and Insurance in Maryland and Washington, DC

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Fees and Insurance

Investing in Your Emotional Well-Being

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What You Will Find On This Page

Therapy is an investment in your future. This page provides clear information about therapy fees and insurance in Maryland and Washington, DC, including session rates, payment policies, and reimbursement options. Planning how you will pay for treatment is an essential part of that process. I encourage clients to take time to examine their financial resources and make a plan that supports consistency and long-term growth. When you feel confident in your ability to sustain the work, you’re more likely to reach your goals.

I’m Dr. Gloria Vanderhorst, a licensed psychologist offering secure, online therapy to adults, couples, and families across Maryland and Washington, DC. Below, you’ll find detailed information about session fees, insurance considerations, and payment policies. Understanding therapy fees and insurance in Maryland and Washington, DC can help you make informed decisions about starting care with an out-of-network provider.

Therapy Fees and Insurance in Maryland and Washington, DC

Guidelines

Session Fees
If you have questions about therapy fees and insurance in Maryland and Washington, DC, I’m happy to walk you through what to expect before your first session. All services are self-pay and due at the time of service. You will be asked to provide a charge card to keep on file as a guarantee of payment. I accept:
  • Major credit cards
  • HSA/FSA cards
  • Secure online payments through a HIPAA-compliant platform
  Psychotherapy Services
  • Individual or Couples Therapy (60 minutes): $300 per session
  • Consultation with other professionals (CPT 90887): $75 per 15 minutes
  • Written reports (CPT 90889): $75 per 15 minutes
  • Review of past records (CPT 90885): $75 per 15 minutes
  • Professional meetings or collaboration: $75 per 15 minutes
  Parent Coordination Services
  • Initial Evaluation Session (60 minutes): $350 per session
  • Follow-up Sessions: $350 per hour
  • Consultation with other professionals: $100 per 15 minutes
  • Communication outside of sessions: $100 per 15 minutes
  • Court Appearance: $1,000 per hour (5-hour minimum)
  • Retainer (if no charge card is provided): $5,000
Please note: Parent Coordination services are generally not reimbursable through insurance.
Insurance and Reimbursement

I am an out-of-network provider, which means I do not bill insurance companies directly. You are responsible for paying for services at the time of your session. To support transparency, I’ve outlined everything you need to know about therapy fees and insurance in Maryland and Washington, DC, so you can begin with confidence.

If you would like to seek reimbursement from your insurance carrier, I recommend contacting them in advance to ask about your mental health benefits. This will help you determine whether your plan includes out-of-network coverage for individual or couples therapy.

Helpful questions to ask your insurance provider:

  • Do I have out-of-network mental health benefits?

  • What percentage of the session fee is reimbursed?

  • Is there a deductible I must meet before reimbursement begins?

  • Are telehealth sessions covered under my plan?

  • Do I need pre-authorization for therapy services?

While I do not guarantee reimbursement, I can provide documentation upon request to support your submission process.

I Do Not Accept

  • Medicaid or Medicare

  • In-network insurance billing

  • Sliding scale or reduced-fee arrangements

  • Employee Assistance Programs (EAPs)

If you require a provider who accepts your insurance directly, I’m happy to refer you to trusted colleagues in the area.

Why Clients Choose Private Pay Therapy

Many clients choose to work with an out-of-network provider for reasons such as:

  • Greater privacy (no insurance reporting or diagnosis required unless you request documentation)

  • More flexibility in treatment length, frequency, and focus

  • Access to specialized care that may not be available in-network

  • A collaborative, client-centered approach without insurance restrictions

Private pay therapy allows us to focus fully on your goals, without administrative barriers.

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Cancellation Policy

  • 24 hours’ notice is required to cancel or reschedule a session

  • Late cancellations or no-shows may be subject to the full session fee

  • Emergencies and illness are handled with flexibility and compassion

This policy helps ensure that I can offer consistent availability to all clients.

Licensing and Eligibility

I am licensed to provide therapy to clients who are physically located in:
  • Maryland
  • Washington, DC
You must be in one of these jurisdictions at the time of your session to receive care. For more information, visit the Licensing and Eligibility page.
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Still Have Questions?

I’m happy to answer any questions about fees, insurance, or how to get started. Therapy is a collaborative process, and that includes making sure you feel informed and supported every step of the way.