Rates & Insurance
PhD-Level Therapy Covered by Insurance in Houston, TX
High-level, ongoing psychotherapy has historically been restricted to private pay, so people with the most complex presentations often had the least access to clinicians trained to treat them. Real Talk was founded to break this barrier.
We are a doctoral-level clinic in-network with most plans from Aetna, BCBS, Cigna, UHC/Optum, Tricare, Curative, Oscar. In many cases, we can also work with other plans, like GEHA and UMR, depending on how those benefits are administered.
Important: We are not in-network with MyBlue Health and Blue Advantage HMO plans from BCBS of Texas.
After you complete our brief intake paperwork, our team will verify your benefits, including deductibles and copays, so you know what to expect before getting started.
It only takes 3 minutes. Same-day response.
In-Network Therapy at Real Talk
Your cost depends on your specific insurance plan. Most patients pay only a copay (usually between $20 and $60), while some plans require meeting a deductible first.
Before your first appointment, we verify your benefits for you so you know your expected costs in advance. We have access to the same benefit data that patients can access directly, and this information is sometimes incomplete or updated without notice by the insurer. In rare cases, coverage details may change or differ from what was initially reported. If that happens, any additional costs are your responsibility, and we will notify you before processing any charge.
We encourage patients to stay familiar with their own plan. Even with verification, informed patients are better positioned to avoid surprises.
Transparent Benefit Verification
3. Financial Confirmation
You receive a clear summary of financial expectations before your initial consultation session is confirmed, so you know exactly what to expect and can make an informed decision.
2. Verification
Our staff verifies your outpatient mental health benefits, deductible status, and copay after you complete your intake paperwork.
Self-Pay and Out-of-Network Options
Our goal is to make therapy accessible and straightforward. We offer insurance-covered therapy in person in our Houston office, online across Texas, and in several other states via PSYPACT.
We also offer private-pay options and can help you with out-of-network benefits if we don't work with your insurance.
Services & Fees For Self-Pay (No Insurance)
Individual Psychotherapy – $250
We offer a sliding scale starting at $150, based on individual circumstances. Availability is limited.
Credit Card & Payment Policy
All patients are required to keep a credit card on file, even those who are using insurance. This allows us to process copays, deductibles, and any applicable fees without back-and-forth communication after each session. We do not bill in advance.
A late cancellation fee of $150 applies if an appointment is canceled with less than 24 hours’ notice or if a patient does not show up for a session. Cancellations made with 24 or more hours’ notice incur no fees, nor is a fee charged for the first session canceled after a patient learns about their insurance benefits for the first time.
Clinicians With Same-Week Availability
How to Check Your Out-of-Network Benefits
Need Help?
If this process feels overwhelming, just let us know. We’re happy to walk you through it step by step.
Let's Get You Started
We'll respond quickly. Prefer to talk? Call 832-583-7373.