Payment Accepted

ATC accepts HSA/FSA cards and major debit and credit cards.

Private Pay & Out-Of-Network Care

Ascending Thoughts Counseling is a private-pay, out-of-network practice. I don't bill insurance directly, which allows us to focus on your care without having an insurance company determine the structure or direction of your therapy.

I also know that paying for therapy is a significant consideration. My goal is to make the financial side of care as clear as possible so you can decide what works for your needs, resources, and circumstances.

Insurances Accepted

I do not bill insurance directly, but some insurance plans include out-of-network (OON) mental health benefits that may reimburse part of your therapy fee.

You can choose to pay privately and submit a superbill to your insurance plan for possible reimbursement. If navigating the OON process feels complicated or inaccessible, ATC also works with Thrizer to help clients use eligible OON benefits.

Coverage varies by plan. Your insurance company determines whether services are covered and how much it will reimburse; ATC cannot guarantee reimbursement or a specific client responsibility.

Regardless of the payment or reimbursement path chosen, clients remain responsible for all session fees, including any applicable late cancellation, late rescheduling, or no-show fees, which are not covered by insurance.

If you have questions or want support understanding your options, we can walk through them together. You are not expected to navigate this alone.

If you are covered under a Medicaid or Medicare plan, I am happy to provide referrals.

Sliding Scale Now Offered

Ascending Thoughts Counseling believes access to therapy should not require you to prove that you are struggling “enough” to deserve support.

I offer a three-tier sliding scale grounded in liberation values, transparency, and trust. There is no documentation requirement. Instead, I invite you to consider your current level of financial access and resource burden, including factors such as employment stability, caregiving responsibilities, healthcare or disability-related costs, student debt, cost of living, and identity-related barriers.

Choose the tier that feels most aligned with your current circumstances. Reduced-fee appointments are limited to support both access and the long-term sustainability of the practice.