Rates and Insurance 

At Tennessee Mental Wellness, our Self-Pay Mental Health services give you the freedom to choose any provider, immediate availability, and fully personalized care—no diagnosis or approval needed. Enjoy greater privacy and a treatment plan tailored entirely to your goals.

Medication Management Sessions

Sessions with a Psychiatric Mental Health Nurse Practitioner (for Medication Management):

  • $200 For a 60-Minute Initial Evaluation
  • $150 for a 45-Minute Follow-Up Session
  • $100 for a 30-minute Follow-Up Session

    All Sessions are Virtual ONLY
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Licensed Masters Level Therapist

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Sessions with a Licensed Masters Level Therapist (LMFT or LPC/MHSP):

  • $200 For a 90-Minute Session
  • $150 for a 50-Minute Session
  • $200 for a  50-Minute WEEKEND Session

    Virtual or In-Office Sessions Available

 

Temporary Licensed Masters-Level Therapist

Sessions with a Temporary Licensed Masters Level Therapist (LMFT-T, LPC-MHSP/T): 

  • $175 For A 90-Minute Session
  • $125 for a 50-minute session
  • $175 for a 50-Minute WEEKEND Session

    Virtual or In-Office Sessions
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Therapist Intern 

Couples Therapy Blog

Sessions with an Intern Therapist in a Master’s Degree program under Clinical Supervision are: 

  • $55 for a 45-55 minute session
  • $55 for a 45-55 minute WEEKEND Session


    In-Person Sessions ONLY (No Online appointments available)

Note: At TNMW, if you are seeing a Masters Level Counselor (Under Supervision), know that we are very selective in our hiring process and work extremely closely with the supervising clinician to ensure their development and the quality of the treatment they deliver. We set the private pay-per-session rates for these counselors significantly lower than our seasoned and licensed therapists. This can mean significant financial savings when looking at the long-term costs of seeking treatment. We have found that many people will opt to see an Intern who is not paneled with their insurance company because the per-session rate can be lower than the copay or cost of counseling using their high-deductible plans.

Why Investing in Your Mental Health & Relationship Counseling is Worth It

Why Choose Self-Pay? Because You Deserve Exceptional Care 

We know how hard it can be to find the right support. Our self-pay model gives you access to expert care without restrictions, ensuring you and your family receive the highest level of personalized mental health and relationship healing treatment.

  • Expert Clinicians – Our therapists specialize in trauma healing and couples therapy, using proven methods like Brainspotting, IFS, EFT, and the Gottman Method. 
  • Concierge-Level Medication Management – Our medication management services are fully integrated with therapy, offering a seamless and high-touch approach to mental wellness.
  • Immediate Availability – No insurance delays or long waitlists—just expert care when you need it.
  • Freedom to Choose – Work with the provider who best fits your needs, without network restrictions. 
  • No Diagnosis Required – Get support without needing a mental health diagnosis on record.
  • Flexible Payment Options – Use credit, cash, or HSA/FSA cards for easy payment.
  • Personalized Care – You and your therapist set the course for your healing—no outside approval needed.
  • Enhanced Privacy – Keep your mental health journey confidential, without third-party involvement.

Your emotional and relationship health are too important to compromise. Get the specialized, high-quality care you deserve.

Three Reasons Why We Don't Take Insurance

Our mission is to help you grow and change in a safe environment where your confidentiality and goals for growth are protected. Counseling can be a vulnerable experience, and aspects of working with insurance companies may undermine the safe environment we fiercely seek to protect. These are the reasons why we do not accept insurance:

Reason #1: It’s Not Confidential

In order to have insurance cover counseling, we have to diagnose you. Even if it’s not appropriate, there has to be a diagnosis. For example, if someone seeks counseling for help adjusting to a new life event, or for help creating and maintaining a healthier lifestyle, they would need a diagnosis for it to be covered by insurance. The diagnosis would remain on your permanent medical record. We, along with many therapist colleagues, feel everyone should have access to counseling, not just those who qualify for a diagnosis. We want you to get help without having to have a diagnosis!

Reason #2: You Have to Be Diagnosed

If we were to work with insurance companies, we would be required to disclose information to a third-party insurance or technology company (for the Electronic Medical Records), and this creates an increased risk of your information being compromised. Additionally, if you ever need a federal background check, want to be a pilot, or for a variety of other reasons, a diagnosis can be disclosed through your insurance company. We want you to have the most confidential counseling!

Reason #3: They Decide Your Treatment

Insurance companies decide on treatment. They determine the number of sessions and the frequency. We believe this should be a collaborative decision between you and your therapist. Sometimes you need shorter sessions or longer ones. Maybe you need them twice per week or once per month. Our clients enjoy the freedom to choose what treatment is best along with their therapist. We want you to get the best quality counseling treatment!

Save Money on Out-Of-Network Therapy Sessions

We've partnered with Mentaya, a platform that helps clients get money back on out-of-network therapy sessions and skip the hassle of insurance claims. To see if you qualify, click the button below: 

Payments:

We accept cash, checks, and all major credit cards as forms of payment. We also accept HSA and FSA cards for Self-Pay sessions.

Out of Network Reimbursement:

Our Self-Pay Therapists are not directly paneled with your insurance; However, you may still be able to submit a receipt for partial reimbursement to your insurance company. Call the customer service number on the back of your card to ask if you have out-of-network mental health outpatient benefits and about the details of what they reimburse.

Cancellation Policy:

If you cannot attend a session, please cancel at least 24 hours beforehand. Otherwise, you will be charged the FULL session fee.

Invest In Your Well-Being So Tomorrow You Can:

  • Have more energy (it is draining to feel emotionally miserable!)
  • Save money (research shows that consistent therapy- weekly or bi-weekly- helps you heal faster and with fewer sessions overall than going to therapy sporadically)
  • Heal anxiety, stress, and overwhelm
  • Reach your emotional health & physical wellness goals
  • Enjoy fulfilling relationships

Think about how much money and time you spend right now on avoiding your concerns, worries, and anxieties. If you are ready to start healing and growing

Our Services