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ZipHealthy

Free 15-Minute Consultation | Same-Week Appointments | Most Insurance Verified : Schedule Now

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ZipHealthy
Payment & Pricing

Transparent Pricing & Payment Options

We believe cost should never be a barrier to mental health care. Most clients pay $20–$40 per session with insurance.

No Surprise Bills HSA/FSA Accepted Insurance In-Network
Free 15-Minute Consultation
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Most Clients Pay $20–$40 Per Session

In-network with Blue Cross Blue Shield. For all other plans, we verify your exact benefits before your first session, usually within one business day.

In-Network Insurance

$20–$40
per session (copay only)
  • Blue Cross Blue Shield (in-network)
  • All other plans: benefits verified before your first session
  • Verification usually within 1 business day
  • Your exact copay confirmed up front
Verify My Coverage

Self-Pay

$275
per 53 to 60 minute session, no insurance needed
  • No insurance paperwork
  • HSA / FSA cards accepted
  • Credit & debit cards
  • Superbill for reimbursement
  • Good Faith Estimate provided
Book a First Session

Free Consultation

$0
15-minute phone or video call
  • Discuss your concerns
  • Get matched with a therapist
  • Learn your insurance benefits
  • No pressure, no commitment
  • Same-week availability
Schedule Free Call

What to Expect Cost-Wise

1

Free Consultation

15-minute call at no cost to discuss your needs

2

Benefits Verified

We verify your insurance before your first session

3

Know Your Cost

You'll know exactly what you owe. No surprises

4

Easy Payment

Copay collected at visit via card, HSA, or FSA

Questions About Cost?

We'll walk you through your options and help you find the most affordable path to care.

We Accept

Visa / Mastercard American Express HSA Cards FSA Cards Debit Cards

Frequently Asked Questions

How much will therapy cost me with insurance?
Most insured clients pay between $20 and $50 per session as a copay. Your exact cost depends on your plan's copay, deductible, and coinsurance. We verify your specific benefits before your first session so you know exactly what to expect.
When is payment collected?
Your copay or session fee is collected at the time of your appointment. We keep a card on file for convenient, automatic payment. You'll always know your cost before your session.
Can I use my HSA or FSA card?
Yes. Therapy is an eligible expense under most Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You can use your HSA/FSA card as your payment method on file.
What if I'm out-of-network?
If we're not in-network with your plan, you pay the self-pay rate at the time of your session. We provide a superbill (detailed receipt) that you can submit to your insurance for partial reimbursement. Many clients recover 50-80% of the session cost this way.
What is your cancellation policy?
We ask for at least 24 hours' notice if you need to cancel or reschedule. Late cancellations or no-shows may be subject to a fee. We understand life happens and will always work with you when possible.
What is a Good Faith Estimate?
Under the No Surprises Act, self-pay and uninsured clients have the right to receive an estimate of expected charges before receiving services. We provide this automatically so you can plan ahead. If you're billed $400 or more above your estimate, you have the right to dispute the charge.

Your Rights Under the No Surprises Act

Self-pay and uninsured patients have the right to receive a Good Faith Estimate of expected charges before receiving services.

Learn More About Good Faith Estimates