Rates and Insurance
Rates and Insurance
Transparent pricing, accepted insurance plans, and flexible payment options.
Transparent pricing, accepted insurance plans, and flexible payment options.
Investing in Your Mental Health
At Stafford and Associates Counseling, we believe your mental health deserves the same care and priority as your physical health. Therapy isn’t just an appointment, it’s an investment in lasting change, helping you build resilience, clarity, and balance in your life. The experienced therapists at Stafford and Associates provide compassionate, personalized care in the Lake Norman and Charlotte, NC areas tailored to your needs. We help guide you through life’s challenges and empower you to create a healthier, more fulfilling future.
Our Rates
Payment Options
Standard Rates
Standard Rates
Initial Intake
Individual Therapy Intake - $150
Couples Therapy Intake - $200
Therapy Session
Individual Therapy - $120
Couples Therapy - $190
Family Therapy - $180
Psychological Testing and Assessments
Tests and Assessments - $200
Our standard rates are provided before insurance benefits are applied and are subject to change without notice. An initial phone consultation is free.
Cancellation Policy
We understand that life can be unpredictable, but to best serve all of our clients we ask for at least 24 hours notice if you need to cancel or reschedule a session. Missed appointments or changes made with less than 24 hours of notice will be charged at the full session rate.
Good Faith Estimate
You have the right to receive a “Good Faith Estimate” explaining the expected cost of your therapy services. This estimate is provided before you begin treatment if you are uninsured or if you choose not to use insurance. The Good Faith Estimate will include the total expected costs of therapy sessions based on our agreed-upon fees and the frequency of sessions discussed. For questions or more details, visit cms.gov/nosurprises or ask our team.
Payment Options
At Stafford and Associates Counseling, our goal is to make therapy accessible and affordable. While we will do our best to work with you, please remember that we are a small business in the service area. Whether using insurance or paying out-of-pocket, we strive to meet your financial needs while providing top-notch mental health services.
Accepted Payments: Cash, Check, Visa, Mastercard, Discover and HSA/FSA cards.
Payment Policies
Payment is required at the start of each session. To keep therapy accessible and scheduling fair for all clients, we ask that balances be kept up to date. If your account balance totals more than two sessions, we’ll pause new appointments until payment is made.
Insurance Information
Insurance Information
Some portion of the cost of our sessions may be covered by your health insurance plan. In order to fully understand what benefits may apply, you should contact your insurance company directly. Here are some of the questions that may be helpful to ask:
Does my insurance plan include mental health benefits?
What deductible(s) apply and how much of any deductible is remaining?
Is there a limit to the number of sessions that are covered?
What is the coverage amount per session?
Is approval from my primary care physician required?
Our therapists accept the following insurance:
Aetna
Aetna State Health Plan
Ambetter (not all therapists)
Americhoice (not all therapists)
Cigna
BCBS-Commercial
Blue Home
Blue Value
Blue Local
Blue HPN (Atrium)
Blue Options
Aetna
Aetna State Health Plan
Ambetter (not all therapists)
Americhoice (not all therapists)
Cigna
BCBS-Commercial
Blue Home
Blue Value
Blue Local
Blue HPN (Atrium)
Blue Options
Blue Advantage
Blue High Performance
Blue Classic
Healthy Blue-Medicaid (not all therapists)
United Health Care
MedCost
Medicare Part-B (limited openings)
Optum
Partners Medicaid
Blue Advantage
Blue High Performance
Blue Classic
Blue Care
Healthy Blue-Medicaid (not all therapists)
United Health Care
MedCost
Medicare Part-B (limited openings with two therapists)
Optum
Partners Medicaid
We provide information about insurance and accepted plans to support you because we want to make your experience with Stafford and Associates Counseling as smooth as possible. Please know this information may change over time. Because every insurance company, and every client’s coverage is unique, we encourage you to confirm your benefits directly with your provider. Ultimately, clients are responsible for understanding and managing their own insurance coverage.
Out-of-Network Options
If Stafford and Associates Counseling is not in-network with your insurance provider, you may still be able to use your benefits. Many insurance plans include out-of-network coverage that reimburses part of your therapy costs. We’ll provide you with a detailed invoice (called a superbill) that you can submit directly to your insurance company for possible reimbursement.
For more details on insurance and billing,see our FAQs page.
For more details on insurance and billing,
see our FAQs page.