Fees & Insurance

Clear, upfront information — so you can plan with confidence.

Below you'll find the details Kaiti shares with new clients. Specific plans and rates are kept up to date by the practice.

Accepted insurance plans

Kaiti is the only therapist currently credentialed with insurance. Kaiti can bill sessions through her billing partner, Headway, with:

  • Aetna
  • Cigna
  • Carelon Behavioral Health
  • BCBS of Arizona

Credentialing is in progress with Oxford (Optum) and Oscar (Optum).

Private-pay session rates — individual

  • $175 — Intake session
  • $150 — Follow-up sessions

Private-pay session rates — couples

  • $200 — Intake session
  • $150 — Follow-up sessions

Payment methods

Credit, debit, HSA, and FSA cards accepted.

Cancellation policy

Appointments must be canceled or rescheduled at least 24 hours in advance. Late cancellations and missed appointments are subject to a $100 fee, and sessions that begin late will still end at the scheduled time and may be charged at the full session rate. Exceptions may be considered for emergencies, and these fees are generally not covered by insurance.

Out-of-network / superbill

If I am not in network with your insurance plan, you may still be eligible for partial reimbursement through your out-of-network benefits. Upon request, I can provide a superbill for you to submit to your insurance company. Reimbursement is not guaranteed and depends on your individual plan, so I recommend contacting your insurer directly to confirm your benefits before beginning services.

Good Faith Estimate

Under the No Surprises Act, you have the right to receive a Good Faith Estimate of expected charges for services from health care providers, including therapists. Kaiti will provide a Good Faith Estimate before or at your first session.

Uninsured and self-pay clients may request a written estimate of expected therapy costs. Estimates are based on current rates and anticipated treatment frequency and may be updated if your needs change.

Questions to ask your insurance company

  • Do I have mental health or behavioral health benefits?
  • What is my deductible, and has it been met?
  • How many therapy sessions per year does my plan cover?
  • What is the coverage amount per session?
  • Is approval required from my primary care physician?
  • Do you cover telehealth sessions?
  • Is Kaiti Williams (Vera Counseling Collective) in-network?