Rates & Insurance

Rates & Insurance

Therapy Rates

Rates vary by clinician and insurance coverage.  Whether you choose to
use insurance or to pay privately, we will review all fees and payment
protocol with you in advance of the initial consultation.


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. We recommend asking these questions to your insurance provider to help determine your benefits:

  • Does my health insurance plan include mental health benefits?
  • Do I have a deductible? If so, what is it and have I met it yet?
  • Do I have a copay or coinsurance amount that is due per session?
  • If I have an insurance plan not paneled with Kelly Ray & Associates, do I have out-of-network benefits through my insurance?  In this case, what type of reimbursement can I expect to receive from insurance for costs incurred?


We accept cash, checks, and electronic payments through QuickPay/Zelle.