Rates & Payment

Complementary Introductory Session: Because choosing a therapist is such an important decision, we offer 30 minute initial sessions at no cost to see if we are a good fit.


$160 per  50-55 minute session.  (Sliding scale is available: Click Here ) 

$240 per 90 minute session.

Payment Options: FC accepts credit cards, Health Savings Accounts cards (HSA),  Flex Savings Account cards (FSA),  checks and cash.


Kelly accepts Blue Cross Blue Shield and Preferred One.    

Brad accepts Blue Cross Blue Shield

If FC is not credentialed by your insurance provider, then Fern Therapy Services/Kelly Fern/Brad Fern is an out-of-network provider, which means that it does not bill your insurance company directly. If you use out-of-network benefits, you would pay the cost of service at the time of session, FC would provide a receipt, and you would submit the receipt to your insurance company for reimbursement. Please contact your insurance provider to ask if your benefits include reimbursement for out-of-network providers.


Some benefits to therapy without using insurance. 

1. A greater degree of privacy. Your insurance provider requires therapists to share your diagnosis, goals, and treatment plan. We often see clients who prefer that this information is not accessible to other entities.  

          (People who tend to want a greater degree of privacy are doctors, first responders and military personnel, people who need secret and top secret clearances for their jobs, public figures, people addressing sexual or relationship concerns, and people working through past traumatic experiences. )

2. You can seek individual therapy without being given a mental health diagnosis. When you use insurance, therapists are required to give you a mental health diagnosis. This diagnosis will be a permanent part of your medical record, which can impact future insurance costs, life insurance, job opportunities, etc.

3. You can seek couples therapy without being given a mental health diagnosis. Because couples therapy is generally not covered by most insurance plans, you or your partner will need to be identified as "the client." This will require that you or your partner be given a mental health diagnosis and be the primary focus of therapy.

If you need support but don't want a mental health diagnosis, paying out of pocket is an option exercised by some clients.

To make a payment, please click the "Buy Now" button below.

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Fern Counseling




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