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Payment + insurance
At Rose Wellness, we're committed to making therapy accessible to all. While all our therapists accept out of network benefits, each therapist also is in network with various insurance panels. To ensure that you have all the information you need about payment and insurance options, we highly recommend reviewing the information below before scheduling a session with one of our clinicians.
In Network
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We have clinicians who are in network with Carefirst BCBS (and all Anthem and Blue Cross plans), United Healthcare (Optum), Johns Hopkins EHP, Medicaid, Aetna, and Cigna/Evernorth.
To find out about your deductible and copay, please call the number on the back of your insurance card before your first session and ask them:
What is my deductible?
What is my copay?
If you have a deductible that needs to be met prior to your copay being activated, your responsibility per session will be the entire cost that insurance allows (often between $100 and $115). If you do not have a high deductible, your copay can be anywhere from $0 to $25 per session, which is the most common. This is why it is important to ascertain the cost of your deductible prior to the first session so that you are prepared for a potential cost.
If you are using Medicaid, you will never have a copay or deductible. Your total responsibility per session will be $0 with no exceptions. We do have a no show/late cancellation policy for our clients who are using Medicaid, as we will never charge a fee for these, which we will send you when you become a client.
Out of Network
If you have a Preferred Provider Organization (PPO), you likely have Out of Network (OON) Benefits. We strongly recommend calling your insurance prior to your first session to verify Out of Network benefits. In this instance, the following applies:
Questions to Ask your Insurance Company
If you are uncertain about how your insurance operates, we recommend using the following questions with a representative from your provider:
Self Pay Clients-
Not Using Insurance
Self-pay rates range from $160 to $200 and vary by clinician. Payment is accepted via credit card (HSA/FSA card included).
Good Faith Estimate for Therapy Services
At Rose Wellness Counseling, we believe in transparency about costs.
Under federal law, if you do not have insurance or choose not to use it, you have the right to a Good Faith Estimate of expected charges.
Estimated Rates for Self Pay Clients-
Not Using Insurance
Your total cost will depend on your therapy goals, frequency of sessions, and how long you remain in treatment. You can stop therapy at any time.
| Service | Intake Session | Ongoing Weekly Session | Estimated Annual Cost* |
|---|---|---|---|
| Individual Therapy – LCPC/ LCSW | $190 | $170 | $8,980 |
| Individual Therapy – LGPC/ LMSW | $170 | $160 | $8,370 |
| Couples Therapy – LCPC/ LCSW | $200 | $180 | $9,380 |
| Couples Therapy – LGPC/ LMSW | $180 | $170 | $8,930 |
*Annual estimates are based on 52 weekly sessions. Your actual costs may be lower if you attend less frequently or end therapy sooner.
Your Rights
- You’ll receive a written Good Faith Estimate before starting self‑pay services.
- If you are billed $400 or more than your estimate and were not told in advance, you can dispute the bill.
- Contact us at 202-681-1348 or admin@rosewellnesscounseling.org.
- Learn more about your rights: www.cms.gov/nosurprises.
Note: Couples therapy is billed using family therapy codes where applicable (if using insurance).