Rates, Insurance & Out‑of‑Network Benefits
Specialized therapy for adults and teens in Grand Rapids, Michigan and across PsyPact states
At Dwell Psychological Services, therapy is a calm, grounded space where you can slow down, breathe, and do meaningful inner work. I offer specialized care for chronic pain, anxiety, depression, grief, and faith‑integrated healing, serving clients in Grand Rapids and throughout PsyPact states via secure telehealth.
This page explains session fees, how out‑of‑network reimbursement works, and how to check your benefits so you can make an informed, confident decision about your care.
Session Fees
50‑minute individual therapy session: $175
Payment is collected at the time of service. I accept:
HSA/FSA cards
Credit cards
Debit cards
I am an out‑of‑network psychologist in Grand Rapids, which means I do not bill insurance directly. Instead, I provide a monthly superbill you can submit to your insurance company for potential reimbursement.
Why Work With an Out‑of‑Network Therapist?
Choosing an out‑of‑network provider offers meaningful advantages, especially if you value:
Greater privacy — no diagnostic or treatment details shared with insurance
Faith‑integrated therapy without restrictions on language or approach
Specialized expertise in chronic pain psychology, anxiety, depression, and Christian mindfulness
A calm, unhurried therapeutic space
More presence and flexibility in session structure
This model supports a therapeutic experience that is attentive, spacious, and clinically grounded.
Understanding Out‑of‑Network Benefits
Many PPO and POS insurance plans offer partial reimbursement for therapy with an out‑of‑network psychologist. Clients often receive 40–80% reimbursement after meeting their out‑of‑network deductible (amount varies by plan).
Here’s how the process typically works:
You pay the session fee at the time of your appointment.
You receive a monthly superbill from me.
You submit the superbill to your insurance company.
Your insurance reimburses you directly, based on your plan’s out‑of‑network benefits.
How to Check Your Out‑of‑Network Benefits
Call the number on the back of your insurance card and ask:
Do I have out‑of‑network mental health benefits?
What is my out‑of‑network deductible?
After I meet the deductible, what percentage of the session fee is reimbursed?
What is the allowed amount for CPT code 90837 (psychotherapy)?
How do I submit a superbill for reimbursement?
How long does reimbursement typically take?
These questions will help you understand your true cost per session.
Using HSA or FSA Funds
Most clients can use HSA or FSA accounts to pay for therapy sessions. This can significantly reduce your out‑of‑pocket cost.
Is Out‑of‑Network Therapy Worth It?
Clients often choose out‑of‑network therapy when they want:
A therapist with advanced training
Faith‑integrated support that honors both psychology and spiritual formation
More privacy and fewer administrative barriers
A therapeutic relationship that is warm, contemplative, and deeply personalized
If these values resonate with you, out‑of‑network therapy may be an excellent fit.
Serving Grand Rapids & PsyPact States
I offer in‑person therapy in East Grand Rapids and online therapy across all PsyPact states, providing flexible access to specialized care.
Schedule a Free Phone Consultation
If you’re considering therapy, I’d be honored to connect. A brief phone consultation allows us to explore your needs and determine whether we’re a good match.
Ready to get started?
Let’s find a time to chat.