Rates & Insurance · Bethlehem PA & Virtual
Figuring out the cost of therapy
shouldn't feel like a second job.
Here's everything you need to know about rates, insurance, and what you'll actually pay — laid out clearly, without the runaround. Because the last thing you need when you're already working up the courage to get help is a confusing billing maze.
The short version,
right up front.
Most clients using insurance pay their copay only — often $0–$40 per session. Private pay is $200. Here's the breakdown:
Intake & evaluation
In-person or telehealth
In-person or telehealth
Varies by plan
HSA/FSA cards accepted · Superbills provided for out-of-network reimbursement
Chances are,
you're covered.
I'm in-network with most major commercial insurance plans for both in-person and telehealth sessions across Pennsylvania.
Not in-network with Medicare or Medicaid.
In-network with several EAP providers — contact me to verify yours.
Insurance networks change. Always verify your specific plan before booking.
Verify your benefits.
It takes 10 minutes
and protects you.
I'll verify on my end too — but insurance companies are legally bound by what they tell YOU as the policyholder. Having it from them directly means you have a paper trail if anything ever gets disputed.
📞 Questions to Ask Your Insurer
- Is Felicia Moore, LPC / Youniversal Counseling in-network for outpatient mental health?
- What is my copay or coinsurance for therapy sessions?
- Have I met my deductible? If not, how much is remaining?
- How many therapy sessions are covered per year?
- Is telehealth covered the same as in-person?
- Do I need pre-authorization or a referral?
Individual NPI: 1275078180
Group NPI: 1952836561
Some insurers use individual, some use group — give them both.
💰 What You'll Likely Pay
These are estimates. Actual costs depend on your specific plan.
Questions after verifying? Email billing@youniversalcounseling.com or call 610-601-5950
Sometimes skipping
insurance is the right move.
Private pay isn't just for people without insurance — it's a genuine choice that gives you more control over your care.
- 🔒 Complete confidentiality — No diagnosis required, nothing reported to insurance
- ♾️ No session limits — Not capped by what your insurance approves
- 🪬 Full integrative freedom — Tarot, shadow work, and spiritual counseling without insurance restrictions
- ⚡ No pre-authorization — Start immediately, no waiting for approvals
- 🌿 Flexible scheduling — We move at the pace that serves your healing, not your plan's requirements
Out-of-Network Benefits
If I'm not in-network with your plan, you may still be eligible for partial reimbursement through your out-of-network benefits.
I provide detailed superbills you can submit directly to your insurer. Many clients get 40–80% reimbursed depending on their plan.
Before booking, ask your insurer:
- · Do I have out-of-network mental health coverage?
- · Is telehealth eligible for out-of-network reimbursement?
- · What percentage is reimbursed?
- · Is a superbill accepted as documentation?
- · Do I need pre-authorization?
See what therapy might
actually cost you.
If you're using out-of-network benefits, use this to estimate your real monthly investment.
💳 Payment & Policies
- Payment methods: Credit/debit cards, HSA/FSA, cash, or check
- When payment is due: At time of service — credit card kept securely on file
- Cancellation policy: 48-hour notice required. Late cancellations or no-shows are charged the full session rate
- Exceptions: Genuine emergencies happen. Just communicate with me and we'll work it out
📋 Good Faith Estimate
- Under federal law, uninsured or self-pay clients have the right to a Good Faith Estimate of expected costs
- Short-term focused work: 8–12 sessions ($1,600–$2,400)
- Moderate support: 20–30 sessions ($4,000–$6,000)
- Long-term depth work: 40+ sessions (ongoing investment)
- A personalized estimate will be provided before we begin
If money is the only thing
standing between you and help —
talk to me.
I reserve a limited number of sliding scale slots for clients experiencing genuine financial hardship. Rates are determined on a case-by-case basis based on income and circumstances.
Therapy costs what it does because you're paying for clinical expertise, individualized care, treatment planning, and real presence in the room with you. It's not a luxury. It's an investment in your mental health, your relationships, and your future.
We'll find a way.
Your healing doesn't have to
wait for the perfect moment.
You've done the hard part — figuring out if you can afford it. Now let's take the next step. Book your first session, or reach out with any questions first.