Rates & Insurance at Real Talk
Therapy Covered by Insurance in Houston, TX
Real Talk Clinical Psychology is in-network with most Aetna, Blue Cross Blue Shield, Cigna, UnitedHealthcare, Oscar, Tricare, and Curative plans.
In many cases, we can also work with other plans, like GEHA and UMR, depending on how those benefits are administered.
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.
In-Network Therapy at Real Talk
Your cost depends on your specific insurance plan: most clients pay only a copay (usually between $10 and $50), while some plans require meeting a deductible first. We submit all claims directly to your insurance, which determines your benefits and costs.
Before your first appointment, we verify your benefits so you know your expected costs in advance. We have access to the same benefit data that patients can access directly, though 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, insurance benefits can shift, and informed patients are better positioned to avoid surprises.
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.
Payment is required through a secure credit card on file in our client portal. Sessions are charged automatically after each appointment.
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 after each session. We never bill in advance.
A $100 late cancellation fee applies when an appointment is cancelled with less than 24 hours' notice. No fee is charged for cancellations made with 24 or more hours' advance notice, or for first sessions cancelled after a patient learns their insurance benefits for the first time.
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.