Rates & Insurance

Individual Therapy:

  • Intake Session: $200 - 60 minutes
  • Ongoing Sessions: $180 - 50 minutes

Couples’ Therapy:

  • Intake Session: $300 - 80 minutes
  • Ongoing Sessions: $300 - 80 minutes
  • Alternative Option: $200 - 55 minutes
    (Available for couples who prefer or need a shorter session.)

Discernment Counseling Sessions:

  • Intake Session: $500 - 120 minutes
  • Ongoing Sessions: $375 - 90 minutes

Due to the nature of the work, Discernment Counseling requires longer sessions. The initial session is 2 hours and charged accordingly. Subsequent sessions last 90 minutes. The discernment counseling process usually requires between 1-5 sessions.

Payment Methods

Fees are due at the beginning of each session.

Cash, personal checks and debit/credit cards are accepted.

I do not accept insurance. My services are provided out-of-network (OON).

Late Cancellation & No Show Policy

If you need to cancel your appointment, contact me by phone or email at least 48 hours before your appointment. Clients who cancel with less than 48 hours’ notice will be charged a flat fee of $100 per scheduled hour. Cancellations made after 6:00 AM on the day of the appointment, as well as missed sessions (no-shows), will be charged the full session fee.

Sessions are cancelled when 15 minutes have gone by and there has been no communication from the client and/or no response from the client as I have attempted to contact them.

julieSchmit - favicon - 2026-02

Additional Information

Do you accept insurance?

I do not take insurance. As an out-of-network provider, I can provide you with a receipt, called a "superbill" that you can submit for possible out-of-network reimbursement, but I cannot guarantee your insurance company will reimburse you. In terms of mental health services, health insurance plans and benefits vary considerably. Many insurance companies do not cover couples or relational therapy.

Medical spending or health care savings accounts, in some cases, may be used to pay for services. Consult your financial advisor or tax professional about how you might use your HSA or FSA account for payment.

Paying Out-of-Pocket

There are benefits to paying out-of-pocket for my services. Doing so gives you the freedom to create therapy goals according to your own needs and not according to an insurance company’s requirements. Once you take insurance money, they have a hand in the proceedings and access to your records. By choosing private out-of-pocket payment, you know exactly the costs and the benefits of our work together and your records will remain confidential. Please be aware, however, that receiving care from me could cost you more than if you pursued care with an in-network provider.

Out-of-Network Claims

Out of network describes providers who have not signed a contract with your health insurance plan.

Check with your insurance provider about reimbursement for counseling and mental health services. You will submit out-of-network claims on your own, as I do not submit this type of claim for you. It is the client’s responsibility to confirm with their insurance provider regarding out of network coverage and to understand the details of submitting a claim. I cannot guarantee that your insurance plan will provide reimbursement, so please double check before sessions. As a matter of policy, I do not engage with insurance companies during your treatment.

Good Faith Estimate

You have the right to receive a “Good Faith Estimate” explaining how much your 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 items and services.

In your consent forms, you will receive instructions on how to calculate the cost of your sessions to create a Good Faith Estimate. This needs to be signed before we can work together. If you would like a personalized outline of your therapy costs tailored to your specific treatment plan and frequency of sessions as a stand-alone document, please feel free to request one. I am more than happy to provide this detailed estimate to ensure you have a clear understanding of your investment in your mental health.

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

Make sure to save a copy or a picture of your Good Faith Estimate. For more information, visit www.cms.gov/nosurprises or call 1-800-985-3095.