Sessions are $225 for 50 minutes. Virtual appointments are available throughout California, with in-person appointments available in Fair Oaks. This is a private-pay practice, and a superbill is available on request for clients who use out-of-network benefits.
View fees and practical details →Session Fees and Format
Payment is due at the time of service. Rates are reviewed periodically; please confirm current fees when scheduling. A complimentary 15-minute consultation is available before beginning.
Why I Practice Private Pay
This is a private pay practice and insurance is not accepted. That is a deliberate choice, not a limitation. When a therapist contracts with an insurance company, the insurer gains access to your diagnosis, your treatment plan, and your session notes. Private pay keeps that information entirely between you and me. It also means your care is never rationed by a predetermined number of sessions or shaped by what a carrier will authorize. Insurance billing also requires a formal psychiatric diagnosis on every claim. For many of the people I work with — high-achieving professionals carrying burnout, leaders seeking deeper integration, people carrying stories that do not fit neatly into a diagnostic code — that label is neither accurate nor useful. Private pay means we are never required to pathologize your experience in order to justify your care.
Out-of-Network Superbills
If your health insurance plan includes out-of-network mental health benefits, you may be eligible for partial reimbursement. Upon request, I provide a monthly superbill after each session containing the diagnosis code, procedure code, date of service, and provider information your insurance company needs to process an out-of-network claim. Many PPO clients recover between $60 and $120 per session through out-of-network reimbursement. Before we begin, contact your insurance provider and ask: Do I have out-of-network mental health benefits? What is my out-of-network deductible, and has it been met? What percentage of the session fee will you reimburse after the deductible? Reimbursement decisions are made solely by your insurance provider and cannot be guaranteed.
How Payment Works
Payment is due at the time of service. A credit card is kept on file via a secure, encrypted payment processor and is charged following each session. HSA and FSA cards are accepted. Checks and cash are not accepted.
Cancellation Policy
Sessions cancelled with less than 24 hours notice are charged the full session fee. A late cancellation leaves a time slot that cannot be filled by another client. Exceptions are made for genuine emergencies. If you need to reschedule, please reach out as early as possible so the time can be offered to someone else. A credit card on file is required to hold your appointment.
Good Faith Estimate — Your Right to Know the Cost of Care
Under the No Surprises Act (effective January 1, 2022), you have the right to receive a Good Faith Estimate of the expected cost of your care before your first appointment and upon request at any time thereafter. This right applies to all self-pay and uninsured clients.
A Good Faith Estimate is a written notice that outlines the anticipated cost of services based on your presenting concerns and the treatment approach we discuss together. It is not a contract or a guarantee of the total cost of care. The actual number of sessions needed will depend on your individual goals and progress, but it gives you a clear, honest picture of what to expect financially before we begin.
Before our first session, I will provide you with a written Good Faith Estimate that includes: the expected cost per session ($225 for a 50-minute individual session); the anticipated frequency and duration of services; an estimated total cost range for the course of treatment; and my name, credentials, license number (LMFT MFC 45850), and National Provider Identifier (NPI: 1770773350).
If you receive a bill that is $400 or more above your Good Faith Estimate, you have the right to dispute that bill. For questions about your rights under the No Surprises Act or to request a Good Faith Estimate before scheduling, please contact me directly through the Contact page or visit cms.gov/nosurprises for more information about your rights.
Common Questions
Do you accept insurance?
No. This is a private pay practice and insurance is not accepted. That is a deliberate choice, not a limitation. When a therapist contracts with an insurance company, the insurer gains access to your diagnosis, your treatment plan, and your session notes. Private pay keeps that information entirely between you and me. It also means your care is never rationed by a predetermined number of sessions or shaped by what a carrier will authorize.
Can I use my out-of-network benefits?
Possibly. If your health insurance plan includes out-of-network mental health benefits, you may be eligible for partial reimbursement. Upon request, I provide a superbill after each session. A superbill is an itemized receipt containing the diagnosis code, procedure code, date of service, and provider information that your insurance company needs to process an out-of-network claim. Contact your insurance provider directly to ask about your out-of-network mental health benefits before your first session.
What is the cancellation policy?
Sessions cancelled with less than 24 hours notice are charged the full session fee. A late cancellation leaves a time slot that cannot be filled by another client. Exceptions are made for genuine emergencies. If you need to reschedule, please reach out as early as possible so the time can be offered to someone else.
How is payment collected?
Payment is due at the time of service. A credit card is kept on file via a secure, encrypted payment processor and is charged following each session. HSA and FSA cards are accepted. Checks and cash are not accepted.
Do you offer a sliding scale or reduced fees?
A limited number of reduced-fee slots are available for those who demonstrate financial need. These slots are not always open. If cost is a barrier, please raise this in the initial consultation and I will discuss it honestly with you. The goal is not to turn away someone who is ready to do the work because of financial circumstances.
Jon Holmes, LMFT. California License MFC 45850. NPI: 1770773350. Virtual therapy statewide. In-person office at 7996 Old Winding Way, Suite 210, Fair Oaks, CA 95628.