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    Fees for Services

    Our clients utilize insurances or self-pay to obtain services. Below are our self pay rates. These rates adhere to the Good Faith Estimate of the amounts private pay patients will pay as required by the Consolidated Appropriations Act and No Surprises Act.

    Services Rendered by Psychotherapists:

    – 90791 – Psychiatric Diagnostic Evaluation (Intake)………………….$205

    – 90832 – Individual Psychotherapy (30 minutes)……………………….$105

    – 90834 – Individual Psychotherapy (45 minutes)……………………….$155

    – 90837 – Individual Psychotherapy (53+ minutes)……………………..$180

    – 90839 – Same Day Crisis Appt. (60 minutes)………………………………$180

    – 90846 – Family/Couples Psychotherapy (w/o Patient) ………….$180

    – 90847 – Family/Couples Psychotherapy (w/Patient) ……………..$205

    – 90849 – Multi-Family Group Psychotherapy (75 minutes)…..$100

    – 90853 – Group Psychoeducation (60 minutes)………………………….$50

    – 90853 – Group Psychotherapy (60 minutes)……………………………….$50

    – ExtGrp – Group Psychotherapy (60-90 minutes)……………………..$75

    – 99354 – 30-74 minute Add-on to Session…………………………………….$50

    True Blue Behavioral Health Good Faith Estimate

    Beginning January 1, 2022, federal laws regulating client care have been updated to include the “No Surprises” Act. Under the law, healthcare providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services called a “Good Faith Estimate” (GFE) explaining how much your medical care will cost.

    This new regulation is designed to provide transparency to patients regarding their expected medical expenses and to protect them from surprises when they receive their medical bills. It allows patients to understand how much their health care will cost before they receive services.

    There are a number of factors that make It challenging to provide an estimate on how long it will take for a client to complete therapeutic treatment, and much depends on the individual client and their goals in seeking therapy. Some clients are satisfied with a reduction in symptoms while others continue longer because it feels beneficial to do so. Others begin to schedule less frequently, and may continue to come in for “tune ups” or when issues arise. Ultimately, as the client, it is your decision when to stop therapy.

    At True Blue, we must provide a diagnosis for all clients for both ethical, legal, and insurance reasons — as well as required by the “No Surprises Act”. A formal diagnosis occurs after an assessment has been completed. That will take place 1-5 sessions after beginning psychotherapy. If you choose to decline a formal diagnosis, we will not update the GFE. It is within your rights to decline a diagnosis per state and federal guidelines.

    Common Diagnosis Codes Below are common diagnosis codes at Rum River Counseling; however, the list is not exhaustive. With that said, diagnosis codes can change based on many factors. Please speak to your therapist with any questions or concerns.

    • Adjustment Disorder (F43.23)
    • Mental Disorder, Not Otherwise Specified (F99)
    • Depression (F32.9)
    • Anxiety (F41.1)
    • Bipolar (F31.9)
    • PTSD/Post Traumatic Stress Disorder (F43.10)
    True Blue Behavioral Health recognizes every client’s therapy journey is unique. How long you need to engage in therapy and how often you attend sessions will be influenced by many factors including

    • Your schedule and life circumstances
    • Therapist availability
    • Ongoing life challenges
    • The nature of your specific challenges and how you address them
    • Personal finances

    You and your therapist will continually assess the appropriate frequency of therapy and will work together to determine when you have met your goals and are ready for discharge and/or a new “Good Faith Estimate” will be issued should your frequency or needs change.

    According to the American Psychological Association, “on average 15 to 20 sessions are required for 50 percent of patients to recover as indicated by self-reported symptom measures”. Additionally, they state that through the working relationship between the client and counselor sometimes the preference is for “longer periods (e.g., 20 to 30 sessions over six months), to achieve more complete symptom remission and to feel confident in the skills needed to maintain treatment gains”.  

    So, it depends on several factors because everyone has unique counseling goals. Like any other relationship, it takes time to develop a therapeutic relationship with your counselor and identify your treatment goals, establish a plan of action, and work towards accomplishing them. Whatever your number of sessions will be, we will work together to meet your needs.

    Common Services at True Blue Behavioral Health

    • 90791: Intake session ($205)
    • 90834: 45 minute psychotherapy session ($155) 
    • 90846/47: Family/Couples psychotherapy session ($180/$205)   
    • 90837: 53+ minute extended psychotherapy session ($180) 
    • 90853: Group therapy session ($50)

    Where services will be delivered True Blue Behavioral Health provides services via HIPAA secure/compliant teletherapy.

    Good Faith Estimate

    For a good faith estimate: the amount you would owe if you were to attend therapy for 52 sessions in a year (weekly, without skipping any weeks for holidays, break, vacation, unplanned events/sickness, etc.). The “Good Faith Estimate” requires practitioners to provide an exact estimate and not a range. Out of an abundance of caution and transparency, we will only quote weekly appointments.

    90791: Intake session ($205) plus 90834: 45-50 minute psychotherapy session ($155) for 51 weeks: $8,110

    90791: Intake session ($205) plus 90847: Family/Couples psychotherapy session ($180) for 51 weeks: $9,385

    90791: Intake session ($205) plus 90837: 53+ minute extended psychotherapy session ($180): $9,385

    90791: Intake session ($205) plus 90853: Group psychotherapy session ($50) for 51 weeks: $2,755

    The above examples are provided to give an idea of the financial expectations for a calendar year. The frequency and duration is dependent on your individual needs and goals.

    We look forward to talking with you and answering any questions you may have about the “No Surprises” Act and Good Faith Estimates.

    Fees & Insurances

    At this time, our providers accept:

    • CareFirst BlueCross BlueShield
    • Maryland Medicaid
    • Out-of-Network Benefits
    • Behavioral Health Services (EAP)
    • ComPsych (EAP)

    Don’t See Your Insurance Listed?

    For those with other medical insurance coverage, depending on your current health insurance provider or employee benefit plan, it is possible for services to be covered in full or in part. Please contact your provider to verify how your plan compensates you for psychotherapy services.

    I’d recommend asking these questions to your insurance provider to help determine your benefits:

    • Does my health insurance plan include mental health benefits?
    • Does my health insurance plan cover out-of-network benefits?
    • Do I have a deductible? If so, what is it and have I met it yet?
    • Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
    • Do I need written approval from my primary care physician in order for services to be covered?
    • Do I have a copay? If so, how much is it?

    Need Help Paying for Treatment

    Even with insurance, figuring out how to pay for the treatment insurance won’t cover can feel overwhelming and hopeless. Whether you’re getting treatment for yourself or a loved one, Upstart, OneMain Financial, or LendingClub can offer instant decisions, fixed rate medical/personal loans, and next day access to funds from $1,000 to $50,000. This option will get you or your loved one the treatment they need, at a monthly payment you can afford.



    -Accepts borrowers new to credit.

    -Able to fund loans within one business day.


    -Minimum credit score: 580.

    -Minimum credit history: None, this lending platform accepts borrowers with credit history too limited to produce a FICO score.

    -Minimum gross income: $12,000.

    -Employment: Full-time job, full-time job offer starting in 6 months, a regular part-time job, or another source of regular income.

    OneMain Financial


    -Option to choose your payment date.

    -Offers joint and secured loans.

    -Able to fund a loan the same or next business day.

    -Offers online educational resources.


    -Minimum credit score: None.

    -Minimum income: Not disclosed; average is $45,000.



    -Offers co-signed and joint loan options.

    -Soft credit check with pre-qualification.


    -Minimum credit score: 600. LendingClub uses FICO 8 credit scoring model.

    -Minimum credit history: Three years.

    -Debt-to-income ratio: Less than 40% for single applications, 35% combined for joint applicants.