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Rebecca Payne Psychology

Rates and Insurance

Published plainly, so you can decide before you call

The fee is a real consideration and it deserves a straight answer rather than a form to fill out. Here is exactly what sessions cost, how reimbursement works, and what to check with your insurer before we begin.

Session types, length, fee, and format
ServiceLengthFeeFormat
Individual therapy50 minutes$300Telehealth or in office
Couples therapy60 minutes$400Telehealth or in office
Initial consultationBrief callFreeTelehealth

Fee Explorer

See what a session includes

Pick the type of session you are considering.
Session Length
50 minutes
Rate
$300
Format
Telehealth throughout California, or in person in Santa Monica

Weekly sessions are the usual rhythm. Consistency does more for this work than session length does.

Private pay. I do not bill insurance directly. I provide a monthly superbill you can submit to your insurer for out-of-network reimbursement, and many plans reimburse a portion of the fee. Checking your out-of-network outpatient mental health benefit before we start is worth the phone call.

The initial consultation is free, and cancellations need 48 hours' notice.

Insurance

How out-of-network reimbursement works

I am a private-pay practice and do not bill insurance directly. Each month I provide a superbill, a receipt with the diagnostic and procedure codes your insurer needs, which you submit to your plan for out-of-network reimbursement. Many PPO plans reimburse a percentage of the fee once an out-of-network deductible has been met.

Three questions worth asking your insurer before we start: Do I have out-of-network outpatient mental health benefits? What is my out-of-network deductible and how much of it have I met? What percentage of the allowed amount do you reimburse per session?

Working outside of insurance is a real cost, and it also means your treatment is not shaped by a company's authorization requirements, session limits, or record requests. For clients whose privacy is a professional necessity, that difference matters more than the arithmetic.

Payment is due at the time of session. Changes and cancellations need 48 hours' notice.

Estimator

Estimate an out-of-network reimbursement

Use your plan's stated percentage for a rough comparison. Your insurer has the final word.

Session

Deductible

Illustrative estimate

About $0 reimbursed

Estimated out-of-pocket cost: $300. This is an estimate, not a quote or guarantee. Insurers may reimburse an allowed amount rather than the full fee. Confirm your deductible, allowed amount, and coinsurance directly with your plan.

Free Consultation

Start with a conversation, not a commitment.

The first step is a free consultation call. We talk about what brings you here, what you have already tried, and whether working together makes sense. If I am not the right fit, I will say so and point you somewhere better.

  • · You request a time on the form, and I confirm by email
  • · Telehealth anywhere in California, or in person in Santa Monica
  • · Private pay, with superbills for out-of-network reimbursement
  • · 48 hours' notice for changes or cancellations