Rates for OCD Treatment
OCD.xyz || The Online Counselor, PLLC is an out-of-network provider for most insurance plans, meaning we do not have direct agreements with insurance companies.
Our fees are listed here, but if cost is a concern, please see the section below for details on how you may be able to use your insurance benefits for out-of-network providers.
FREE 20-minute phone consultation for potential new clients.
$200 / 45-60 minute session.
Use your insurance benefits to help pay for therapy
There are benefits to not using insurance, such as maintaining your privacy and having full control over your treatment decisions without insurance carrier restrictions. However, the main downside is that you’ll be responsible for the full cost. If you’d like your insurance carrier to assist with expenses, we can assist you with a few options.
Using Out-of-Network Benefits
This is the easiest way to get reimbursed, but it’s usually the option that reimburses you the least. Many insurance plans have out-of-network benefits, meaning they may reimburse you for a percentage of your treatment costs, though you might need to meet a separate out-of-network deductible.
You’ll pay the full session fee upfront, and we’ll provide a receipt (also known as a “superbill”) with all the necessary diagnostic and procedural codes. You can then submit this receipt to your insurance carrier for reimbursement.
There are also companies like Reimbursify that let you upload your receipt for reimbursement, though they charge a fee for the service.
Note: Reimbursify’s goal is to save you time and money. It's completely optional.
In-Network Reimbursement
You can actually get your insurance to cover an out-of-network provider at an in-network rate, thanks to something called a "network deficiency."
The CARES Act guarantees that if your insurance network doesn’t offer any OCD specialists—or if the specialists available aren’t within a reasonable distance, don’t have availability, or claim to be specialists but lack real expertise—your insurance must provide one at in-network rates.
However, they may offer a "reasonable market rate," which could be lower than the actual session cost. The catch is that it often takes some effort to get insurance to approve these benefits. Dr. Molly Martinez has created a detailed guide on how to request a network deficiency exception. You can find her tutorial here.