Cost & Insurance

At Meridian Counseling Associates, we believe the financial aspects of counseling should be clear and straightforward. We offer both insurance and private-pay options for individual therapy, while couples therapy is offered exclusively on a private-pay basis.

Individual Therapy

Insurance
Meridian’s insurance availability depends on the clinician you choose.

Independently Licensed Therapists may provide individual therapy through the practice’s participating insurance plans:

Aetna • Blue Cross Blue Shield of Massachusetts • Cigna • Point32 • UnitedHealthcare • Oxford • Oscar • Optum

Registered Mental Health Counselor Interns may provide individual therapy through the practice’s participating insurance plans:

Aetna • Cigna • Florida Blue

Please note that insurance companies require a mental health diagnosis and other clinical information to determine eligibility for reimbursement. You do not need to have an existing diagnosis before beginning therapy. As part of the normal clinical process, your therapist will assess what brings you to therapy and, for insurance purposes, include the applicable diagnostic code on your superbill. Diagnoses can reflect a wide range of concerns, from anxiety or difficulty adjusting to stressful life circumstances to more complex or longstanding mental health conditions.

Private Pay

Independently Licensed Therapists • $150 per 60-minute session

Registered Mental Health Counselor Interns • $125 per 60-minute session

Private pay is available for clients who do not have a participating insurance plan, prefer not to use their insurance benefits, or simply wish to pay for their individual counseling sessions directly.

For eligible private-pay individual therapy services, we can provide a superbill upon request for clients who wish to seek reimbursement through their out-of-network insurance benefits. A superbill is a detailed receipt that can be submitted directly to your insurance company to be considered for reimbursement. Out-of-network benefits vary significantly by insurance plan, and reimbursement is not guaranteed.

We encourage clients to contact their insurance provider and ask about their out-of-network mental health benefits, deductible, and reimbursement rates before beginning services.

Couples Therapy

Relational Life Therapy (RLT) • $200 per 60-minute session

RLT couples sessions are offered as a private-pay service and are not billed to insurance. Insurance coverage for therapy requires treatment to be tied to an individual’s mental health diagnosis. In couples therapy, our focus is different: we work with both partners and treat the relationship itself. Keeping RLT couples therapy private pay allows the work to remain centered on the relationship and the goals you bring to therapy together.

Service Availability

Meridian clinicians provide virtual counseling to clients located in Florida. Ben Leahy, LMHC, NCC provides virtual counseling to clients located in Florida and Massachusetts. Private-pay services may be available in additional states when permitted by the laws and regulations of the state where the client is located.

Payment

Zelle, Venmo, all major credit cards, and Health Savings Account (HSA) cards are accepted for payment for any copays or private pay counseling services.

Cancellation Policy

We understand that plans can change. If you need to cancel or reschedule your appointment, we ask that you provide at least 24 hours’ notice. Cancellations made with less than 24 hours’ notice will be charged the full session fee.

Questions About Costs or Insurance?

We’re happy to help you understand your options before beginning counseling services. Contact Meridian Counseling Associates to discuss insurance and private-pay services, and to find the clinician who will best fit your needs.