Rates and insurance

Money should not be the mystery that keeps you from getting support. Love Let Out is a telehealth therapy practice serving Texas, Oregon, and Washington, and this page lays out exactly what sessions cost, which insurance plans we accept, and how payment works. No surprises, no call required to find out a number.

How much does therapy cost at Love Let Out?

Individual therapy is $140 per 50 minute session, couples sessions are $160, and small group or polycule sessions are $60 per person. Every new client starts with a free 15 minute right-fit consultation at no cost.

Standard 50 minute rates:

• Free 15 minute right-fit consultation
• $75 per professional 50 minute consultation
• $140 per individual 50 minute session
• $160 per couple 50 minute session
• $60 per person in a small group / polycule 50 minute session

The Gottman Institute recommends extended sessions for couples counseling and groups, so we offer 75 minute options:

• $75 per professional 75 minute consultation
• $210 per individual 75 minute session
• $240 per couple 75 minute session
• $85 per person in a small group / polycule 75 minute session

Custom plans including text, email, and expanded telehealth support are available for self pay clients. Ask about offerings and rates during your consultation.

Do you take insurance?

Yes. We currently accept the following insurance plans:

• Aetna
• Blue Cross and Blue Shield of Texas
• Blue Cross Blue Shield of Massachusetts
• Carelon Behavioral Health
• Cigna
• Moda Health
• Oscar (Optum)
• Oxford (Optum)
• Regence BlueCross BlueShield of Oregon
• United Healthcare (Optum)

Plan participation can change, and coverage depends on your specific benefits and the state where you live. We recommend verifying your mental health benefits with your insurer before your first session, and we are happy to help you sort out what your plan actually covers.

What should I ask my insurance company?

Four questions will tell you most of what you need to know about your coverage. Call the member services number on your insurance card and ask:

• Does my health insurance plan include mental health benefits?
• Do I have a deductible? If so, what is it and have I met it yet?
• Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
• Do I need written approval from my primary care physician for services to be covered?

Should I use insurance or pay privately?

There is no single right answer. It depends on your deductible, your plan, and how much privacy and flexibility matter to you. Here is the honest trade-off.

Reasons to use insurance:

• Lower out-of-pocket costs. If your plan covers therapy, copays or coinsurance can be significantly less than the full session rate.
• You are already paying premiums. Using your mental health benefits means getting value from coverage you already have.
• Once you meet your deductible, therapy gets more affordable, which matters most for clients managing ongoing medical concerns.
• Some plans support long-term therapy, making consistent treatment sustainable over time.

Reasons to pay privately:

• High deductibles can mean paying full cost until late in the year, and the deductible resets in January.
• Insurance adds paperwork, from claims and approvals to tracking your coverage.
• Insurers set the rates and structures, which leaves less flexibility around fees, rescheduling, and cancellations.
• Insurance companies use internal auditors to determine eligible diagnoses, treatment plans, and session counts. Many plans, for example, do not allow Gottman intakes as Dr. Gottman designed them.

How can I pay?

We accept all major credit cards. You can pay directly through our client portal.

What is your cancellation policy?

Please cancel at least 24 hours before your session if you cannot attend. Otherwise you may be charged the full session rate.

Frequently asked questions

How much does a therapy session cost at Love Let Out?

Individual therapy is $140 per 50 minute session. Couples sessions are $160, and small group or polycule sessions are $60 per person. Extended 75 minute sessions are available at $210 for individuals, $240 for couples, and $85 per person for groups.

Does Love Let Out accept insurance?

Yes. Love Let Out accepts Aetna, Blue Cross and Blue Shield of Texas, Blue Cross Blue Shield of Massachusetts, Carelon Behavioral Health, Cigna, Moda Health, Oscar (Optum), Oxford (Optum), Regence BlueCross BlueShield of Oregon, and United Healthcare (Optum). Coverage depends on your specific plan, so verify your mental health benefits with your insurer.

Is the first consultation really free?

Yes. Every new client starts with a free 15 minute right-fit consultation. It costs nothing and helps both of us decide whether we are a good match before you commit to anything.

What happens if I miss a session?

Sessions cancelled with less than 24 hours notice may be charged at the full session rate. Cancel at least 24 hours ahead and there is no charge.

Where does Love Let Out provide therapy?

Love Let Out is a telehealth practice providing therapy to clients located in Texas, Oregon, and Washington. All sessions are online, so you can meet with us from anywhere in those states.

Still weighing the numbers? For anything this page does not answer, our FAQs cover the practical details, or send general questions our way. When you are ready, request a free consultation and we will see if we are a good fit, no pressure and no cost.