Private pay / self-pay therapy · Binghamton, New York
Private-pay therapy with clear rates and a simple path to start.
Use private pay when you prefer not to bill insurance or when the service you want is offered outside insurance. PCW publishes rates up front and accepts cash, check, Health Savings Account (HSA), Discover, Mastercard, and Visa.
What private pay means at PCW
Pay the published rate without billing insurance.
Private pay—also called self-pay or out-of-pocket therapy—means you pay PCW directly rather than having the session billed to an insurance plan. It can be used for individual therapy, ART, and couples counseling at PCW.
Choosing private pay does not promise better care, faster results, less clinical documentation, or a fixed number of sessions. The same clinical, consent, documentation, privacy, and legal requirements still apply.
Payment methods
Cash · Check · Health Savings Account (HSA) · Discover · Mastercard · Visa
When telehealth is clinically appropriate, the client must be physically located in New York State at the time of the session.
Private-pay options
Choose the service that fits the reason you are reaching out.
Individual therapy
For adults, teens, first responders, college students, young adults, trauma-related concerns, stress, grief, relationships, and life changes.
Explore individual therapy →Accelerated Resolution Therapy
A focused ART option scheduled for up to 90 minutes with Jessica Krohn, LCSW, a Certified ART Practitioner. Private-pay ART does not require a separate intake appointment; clinical appropriateness is still reviewed.
Explore ART →Couples counseling
Private-pay couples work focused on communication, trust, intimacy, recurring conflict, boundaries, and shared goals.
Explore couples therapy →Published rates
Know the expected session cost before you reach out.
| Service | Private-pay rate |
|---|---|
| Initial individual therapy session | $175 |
| Follow-up individual therapy · 53 minutes | $150 |
| ART · up to 90 minutes, usually Fridays | $200 |
| Couples counseling · 60 minutes | $200 |
| Couples counseling · 90 minutes | $300 |
| Couples counseling · six-session package | $1,080 |
These are the published private-pay rates. ART at PCW is currently private pay; insurance benefits and plan rules may differ for other eligible services.
Why people use private pay
A direct payment option when insurance is not the pathway you want to use.
Known session cost
Rates are published before you request an appointment, so you can review the expected cost in advance.
Service-specific access
Couples counseling is private pay at PCW. Private-pay ART also has a direct pathway without a separate intake appointment, while clinical fit is still reviewed.
Several payment methods
PCW accepts cash, check, HSA, Discover, Mastercard, and Visa for private-pay services.
Private-pay questions
Direct answers before you schedule.
Can I see PCW without using insurance?
Yes. Private pay is available for individual therapy, ART, and couples counseling. You can choose not to have an eligible service billed to insurance and instead pay the published private-pay rate.
Can I use an HSA?
PCW accepts Health Savings Account (HSA) payments along with cash, check, Discover, Mastercard, and Visa. Your HSA plan administrator can answer questions about whether a particular expense is eligible under your plan.
Does private-pay ART require an intake appointment?
No separate intake appointment is required for private-pay ART. PCW still reviews clinical appropriateness, screening and informed consent. ART is currently offered on a private-pay basis.
Is couples counseling private pay?
Yes. Couples counseling at PCW is private pay rather than billed to insurance. Current 60-minute, 90-minute, and package rates are listed above.
Can I request a Good Faith Estimate?
Yes. If you are uninsured or do not plan to use insurance, federal law generally gives you the right to receive a Good Faith Estimate when you schedule care or ask for one. Learn about Good Faith Estimates from CMS (opens in a new tab).
Does paying privately change confidentiality or recordkeeping?
No special confidentiality promise is created by private pay. Clinical documentation, informed consent, privacy practices, and applicable legal and professional requirements still apply.
Next step
Ask about private-pay availability.
Start with basic contact and scheduling information. PCW can confirm the appropriate next step and current availability.
Request an Appointment