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Investment and Cost of Services

Now Accepting Self Pay & Insurance (BCBS & Aetna)

Accepting and Paneled with Blue Cross Blue Shield Insurance BCBS Aetna
Accepting and Paneled with Aetna Insurance

Self Pay &
Out of-Network
(Cost Below)

  • If you are utilizing in-network insurance (BCBS or Aetna), your specific insurance plan will determine the cost of mental health services. Amount of co-pays, cost of mental health services, and deductibles for those using insurance all vary per company and type of plan. The price for out-of network plans or for someone who is self-pay (not using insurance) is $175 for roughly 55 minutes. The cost of $175 is not associated or set according to insurance plans and may be higher or lower than mental health services of your specific plan. 

  • Any charges for additional supplemental services that you may optionally choose to utilize will be provided to you in a Good Faith Estimate for a supplemental service. When requested and if appropriate for someone's current financial hardship, Otten Counseling may be able to offer an agreed upon reduced rate. (Please note there is a limited amount of spots available for a reduced rate which may be at capacity at the time you inquire).

  • For those that are not in network with BCBS or Aetna but want to still try to utilize insurance benefits, you can request a billing statement called a Superbill. You may submit this invoice and make a claim on your own behalf for possible reimbursement if you have PPO, HSA, or other flexible health care benefits. If you meet medical necessity for services, you may also use your HSA card directly for payment. It may be possible that some insurance companies, depending on the plan, may provide benefits after you submit a Superbill on your own behalf. Call your specific insurance company and ask about your specific plan to find out more and if this is possible as all companies and plans are different. ​​

Benefits of self pay instead of utilizing your insurance

  • ​If you choose private pay / self pay instead of your insurance and waive your benefits, you do not need to be diagnosed with a mental health disorder in order to receive counseling services.

  • There is no limit on how many sessions you can have while you need help. Some insurance plans have a cap for how many sessions you are allowed to have.

  • You can incorporate more alternative modalities / holistic services in your counseling


  • For those who are paying self pay or out of pocket, the federal “No Surprises Act” grants Clients the right to receive a “Good Faith Estimate” explaining how much their medical and mental health care will cost. Under the law, health care providers, including psychotherapists and counselors, must give clients who don’t have insurance or who are not using their insurance policy an estimate of the expected charges for treatment services.The act also requires healthcare providers, including psychotherapists and counselors, to inform their clients of this right. Additionally, this act requires that information regarding the availability of a “Good Faith Estimate” must be prominently displayed on the website of all health care providers, including psychotherapists.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.

  • You can ask all of your health care providers, including your therapist and other providers from whom you seek treatment, for a Good Faith Estimate before you schedule a service.If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit

Virtual & In Person Options. Virtual Counseling Available in North Carolina & South Carolina Statewide.
In person counseling reserved for holistic options, located in Charlotte, NC.

Psychology today profile LCMHC Licensed Clinical Mental Health Counselor Bethany Otten
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