Therapy Fees & Insurance in Baltimore & Online
Behavioral Health Direct provides evidence-based therapy, anxiety and OCD treatment, and psychological testing in person at our Baltimore office and online throughout the state of Maryland.
We understand that the cost of therapy is an important consideration, and we are committed to offering absolute transparency and clear, upfront pricing, in addition to an uncompromised standard of care focused on meaningful progress and lasting solutions. Please note that our primary specialists are out of network. To make the billing process entirely seamless, we offer comprehensive administrative support, superbills, and direct out-of-network billing submission on your behalf, allowing you to automatically access your reimbursement benefits which frequently cover 50% to 80% of fees.
For clients requiring strictly in-network coverage, we have limited slots available with our staff clinicians for CareFirst, Aetna, and United Healthcare. We do not accept Medicaid or Medicare in any capacity. We value the strong relationships we create with our clients and look forward to working together.
Fees & Specialized Psychological Services
Choose a therapist with a higher standard of care, who meets your needs best, and who is available and communicative when you need it most.
Initial Intake Evaluation
CPT Billing Code: 90791
A comprehensive diagnostic interview and clinical assessment to evaluate your specific needs, review history, and establish a targeted treatment roadmap.
Individual Therapy Session
CPT Billing Code: 90834
Focused, evidence-based treatment sessions utilizing structured approaches like CBT, ACT, and ERP to build practical tools and drive measurable progress.
Psychological Testing Profile
Includes Full Diagnostic Report
A complete evaluation package including a 60-minute initial intake, interactive testing sessions, specialized clinical data analysis, a feedback review, and a comprehensive written evaluation report.
Can I Use My Insurance?
Many clients successfully utilize out-of-network benefits to offset the cost of clinical care. We offer streamlined options to maximize your coverage with minimal administrative burden.
Check Insurance Benefits →Automated Claims & Reimbursement
Skip the insurance hassle. We can submit your claims automatically after each session. Your insurance provider will then process the claim and mail the reimbursement check directly to your home.
Standard Superbills
We provide a comprehensive, itemized clinical invoice (superbill) after each session containing all required medical codes to submit to your provider for standard reimbursement.
HSA/FSA Account Utilization
All clinical evaluations and specialized therapeutic sessions qualify as deductible medical expenses. You can easily pay for your care or cover out-of-pocket balances using your pre-tax Health Savings Account or Flexible Spending Account funds.
Why Choose Out-of-Network Therapy?
We believe mental health care should prioritize your needs—not insurance company restrictions. Here’s why investing in out-of-network therapy can lead to better outcomes:
1. Immediate Access to Care
- No waitlists—begin therapy when you’re ready.
- Flexible scheduling for in-person sessions in Baltimore or online therapy throughout Maryland.
2. Choose a Therapist Who Specializes in Your Needs
- Work with a therapist who specializes in the issues that matter to you most, such as anxiety, OCD, stress, or relationship challenges.
- Find someone you can relate to and feel comfortable with, ensuring a strong and supportive therapeutic relationship.
3. Individualized, Evidence-Based Treatment
- Treatment is intentional, collaborative, and focused on your goals, not limited by insurance policies.
Benefit from expertise in proven approaches like CBT, ACT, and ERP designed to help you overcome the challenges you face.
4. Transparent and Predictable Costs
- No hidden fees or surprise bills—you’ll know the full cost upfront.
- Use your insurance’s out-of-network reimbursement to make therapy more affordable.
5. Long-Term Value and Results
- Effective, focused, and goal-oriented therapy often leads to faster, more meaningful progress—reducing the need for extended treatment.
- Addressing mental health challenges now prevents larger emotional, relational, and financial costs later.
6. Greater Privacy and Control
- Using insurance can make your mental health records and diagnosis part of your permanent medical history.
- With private pay, your sessions remain fully confidential, allowing you to control your personal information.
Frequently Asked Questions (FAQs)
Do you accept insurance?
No, Behavioral Health Direct does not accept insurance. This allows us to offer personalized care without the limitations imposed by insurance companies. However, we can assist you in exploring out-of-network reimbursement options. Additionally, some providers on our team may accept certain insurance plans for specific services. If in-network care is important to you, please reach out to inquire about current availability.
What is the cost of therapy without insurance?
Our fees are $300 for an initial session and $225 for ongoing appointments.
How does out-of-network reimbursement work?
After each session, we provide a superbill that you can submit to your insurance company. Depending on your plan, you may be reimbursed for a portion of the session cost.
Is therapy worth the cost?
Absolutely. Of course, we believe it is – we’re a therapy practice, after all. But our clients agree. Addressing challenges now can lead to meaningful improvements in relationships, work, personal growth, and overall quality of life. While the cost may seem significant upfront, the long-term benefits—reduced stress, greater clarity, and emotional resilience—often far outweigh the initial investment.
Questions about our Fees?
We’re happy to answer any questions and discuss setting up an appointment or consultation.
Please call (443) 296-2584 to speak with a therapist and learn how we can make a difference.
You can also email us or book a consultation online now.