Can my insurance cover my therapy?

Yes. By using your PPO, or your out of network coverage, your insurance provider may pay partial or full payment for therapy. The covered amount will depend on the coverage you contracted with your insurance carrier. Insurance carriers require you to have a diagnosis to receive reimbursement. Most common insurance psychiatric CPT codes: CPT:90791 Interview; CPT: 90834 is 45-minutes therapy; CPT: 90837 60-minutes therapy.  Per your request, we will provide you with SuperBill that you may submit to your insurance carrier for reimbursement.  If you are interested in learning more about insurance see the FAQ section of this website.  NOTE: you may use your Health Saving  Account (HSA) Card and Flex Saving Card for payment (and for medical cost deductions on taxes). Payment is due at time of service. Please see below Fee Schedules and payment options.


How much does therapy cost with doctor? A better question would be: How much is your happiness and health worth to you? Your mental health directly affects your physical health and vice-versa. 

Dr. Freshwater provides in person Online Psychotherapy and Coaching Services click on link to learn more or go to Website Menu.

Dr. Freshwater also provides Concierge Psychotherapy and Counseling Services.  Please click on link or go to Website Menu to learn more.


Standard Fee Schedule

1st Session Therapeutic Consultation: Review of Informed Consents | Clinical BioPsychoSocial Assessment | General Psychiatric Intake | Symptomatic Psychological Testing. 90-minutes = $450.00 ~ *extended time 30-min. increment blocks $175.00

2nd & 3rd Sessions Extended Diagnostic Assessment: PERSONALITY Assessment: All persons applying for psychotherapies treatment (and coaching paradigms) will be assessed for his/her/their personality organization. $350.00 per hour of professional time.  30-min. increment blocks $150.00  Personality affects all aspects of your well-being: Relationships, Work, Play, Success.  Personality assessment also is integral to selecting the most optimal and successful treatment modalities, and treatment protocols.

Follow Up: Sharing diagnostic results, psychoeducation, review both symptomatic presentation and personality organization profiles, and treatment planning.  $300.00 per hour. *30-min. increment blocks $150.00

Therapy Session:  CPT: 90834:   $250 for 45-minute session.
Therapy Session:  CPT: 90837:   $300 for 60-minute session.

*Note: Additional add on therapy time is in 15-minute increment blocks at $75.00 per increment has to be scheduled in advance.

*If you request an Urgent session (i.e. can't wait until your next session), then we will do our best to accommodate your urgent request.  There is a $100.00 add-on fee for your Urgency.

Focus Sessions: 

*Typically, therapy sessions occur 1-2x per week as a standing day and time reserved specifically for you. (For example: Affective Disorders ~ Axis 1 and other Axis 1 Co-occurring Disorders).

Deep Dive Sessions:  Fee discounts for root cause healing & integration. 

*Therapy sessions occur 3 - 5X per week as a standing day and time reserved specifically for you. (For example: Personality Disorders ~ Axis 2)  Psychodynamic | Psychoanalytic | NeuroPsychoAnalytic | Personality Integration  |  Brain Neuropsychological rehabilitation.

*If you are looking for or are curious about more frequent sessions and/or  whether a Concierge Services Plan or a Package Plan may best suit your needs, then contact us we are here to help. ***Package Plans are the best option for Deep Dive Session Frequency.

Concierge Therapy Services

Dr. Freshwater provides Exclusive Premium Concierge and V.I.P. Elite Concierge Services for the Discerning Individual. Click on link or go to website Menu to learn more about Concierge Services.

FEE SCHEDULES for Premium Concierge and V.I.P. Elite Concierge Services.  Please contact Dr. Freshwater through encrypted email form.  She will contact you to discuss which Concierge Therapy Services Plan: a) Concierge Premium services  b) Concierge V.I.P. Elite service will best cater to your needs and lifestyle.  Each plan has a specific Fee schedule, Fee package, and service options available.  Dr. Freshwater will address your questions and learn about your most pressing needs. a) Concierge Premium  or  b) Concierge V.I.P. Elite.   Thank you


Cost of Therapy

Are you not sure what a "fair cost" for therapy is ? Check out Healthcare Bluebook and Fair Health Consumer.  Type  zip code 33140  or  33139  and search for 'psychotherapy 45-minutes' or CPT code 90834.

When reviewing the "cost" of therapy, you will also want to keep in mind that fair cost of psychotherapy varies depending on the providers level of education, licensure, additional certifications, areas of expertise, and years of practice.   When you hire a therapist who is a licensed Clinical Psychologist with a PhD, with additional Post-Doctoral diplomas then you are making sure that you are hiring a doctor and a therapist with the highest level of degrees bestowed by academia and the highest degrees in the mental health market.

Please also keep in mind that other fields, such as, non-doctoral level clinicians: LMFC, LPC, and LSCW may offer lower fees due to their limited education and training, and unregulated fields such as non-licensed individuals who offer coaching may offer different fees. You get what you pay for so know the credentials of the provider, so make your investment worth it.

Reduced Fee Schedule

**Dr. Freshwater offers a reduced fee for individuals who are financially burdened, but are motivated to improve their health. The reduced fee services are for Online therapy and for a limited time basis. Contact us to check on availability.


Payment Methods:

You are your own 401K.  Invest in yourself. You are worth your investment.    If You think WELLNESS is expensive, try ILLNESS 
  • Payment is due prior to or beginning of time of session.
  • PayPal, Cash, Check, Visa, Master Card, Discover, AMEX, and HSA and FSA cards.

Please visit the client forms page to access the following helpful forms:

  • Credit Card Authorization Form
  • Cancellation Policy Form
  • Square Processing Form for Credit Cards

What Are The Standard Fees for Other Services?

$300.00 per hour: Time spent performing any other service that you request, or service deemed clinically necessary for your care, or required by Federal or State law.  These services include: telephone conversations, texts, emails, consulting with other professionals, preparation of records, documentation, treatment summaries, discharge summaries. 15-minute increments are calculated at $75.00 per increment.

$350.00 per hour: Personality or emotional testing (psychological testing), Clinical Intake, record review, test administration, scoring of test data, interpretation of test data, report writing, and feed back of results. 15-minute increments are calculated at $87.00. per increment add-on.

NeuroBehavioral Status Exam: $350.00 per hour for professional time rendered in Clinical Intake, Record Review, NeuroBehavioral Status Exam testing, data scoring, data interpretation, report writing, and feedback.

NeuroPsychological Evaluation: $400.00 per hour professional time rendered in Clinical Intake, Record Review, NeuroPsychological testing, data scoring, data interpretation, report writing, and feedback.

$250.00 for 60-minutes: Chakras balancing -BioFieldsEnergy Healing, - REIKI-TUMMO with brief BioPsychoSocial Clinical Examination.

Forensic, Legal, Court, IME, I-360

If you become involved in legal proceedings you will be expected to pay for all professional time, including preparation time, and transportation time & costs, even if Dr. Freshwater is called for testimony, and/or subpoena for records/documents, or called to testify for another party, either as "Fact Witness" or "Expert Witness". Fee is $500.00 per hour for any or all preparation. You will pay in advance all transportation costs and also $500.00 per hour for travel time, and $600.00 per hour for deposition and $600.00 per hour for trial time, including wait time with a minimum of 3-hours.

If Dr. Shawna Freshwater an employee of NeuroPsychological Institute, P.A. or Spacious Therapy.com  become involved in Disputes or Legal proceedings all time involved and rendered is at $500.00 per hour for any or all preparation. You will be responsible for payment of all transportation time & transportation costs (including $ 500 per hour of travel time), and $600.00 per hour for deposition, and $600.00 per hour for trial time, including wait time with a minimum of 3-hours.

If Dr. Shawna Freshwater an employee of Neuropsychological Institute, P.A. or SpaciousTherapy.com is retained as Expert Witness or becomes involved in any type of legal proceedings and/or forensic work the Fee is 500.00 per hour for any or all preparation. You will also pay in advance all transportation costs, and   travel time at $500.00 per hour, and $600.00 per hour for deposition, and $600.00 per hour for trial time, including wait time with a minimum of 3-hours.