Rates & Insurance

We want the cost of counseling to be as clear and straightforward as possible. Whether you choose to use insurance or private pay, our goal is to help you understand your options before getting started.

Private-Pay Rates

Community Service Discounts

Discounted private-pay rates are available for active-duty military and veterans, first responders, teachers and ministry workers. Please contact our office for current discounted rates.

Using Insurance

Chad Discher, LPC-S accepts select insurance plans through Headway.

Currently accepted:

• Aetna
• Cigna
• Carelon Behavioral Health
• Horizon Blue Cross Blue Shield of New Jersety
• Independence Blue Cross of Pennsylvania
• Ascension SmartHealth
• Coming Late October 2026: Blue Cross and Blue Shield of Texas

Insurance coverage and out-of-pocket costs vary by individual plan. Clients using insurance with Chad will complete insurance verification through Headway where they can review their estimated cost before beginning services.

Our LPC Associates and Graduate Interns currently provide counseling on a private-pay basis only.

Private Pay vs Insurance: What’s the Difference?

Both private pay and insurance can be good options for counseling. One isn’t necessarily better than the other. The right choice depends on your individual circumstances, finances, insurance benefits and preferences.

The quality of your counseling does not change based on how you choose to pay.

• Using insurance may reduce what you pay out of pocket, depending on your deductible, copay, coinsurance and plan.
• A mental health diagnosis is generally required for insurance billing.
• That diagnosis becomes part of the information used to process the insurance claim.
• Coverage may be subject to the plan’s requirements and limitations.
• Insurance claims and required information are submitted securely for billing purposes.

Private pay means that you pay the established session rate directly rather than billing your insurance.

• Some clients prefer not to use their mental health insurance benefits.
• Some prefer not to have a diagnosis made solely to meet insurance reimbursement requirements.
• Private pay offers independence from insurance coverage requirements.
• Private pay can provide a simple and predictable payment arrangement.

There isn’t one answer that’s right for everyone. If minimizing immediate out-of-pocket cost is most important, using insurance may be the better option. If you place greater value on keeping insurance of the counseling and billing process, private pay may be worth considering.