Pricing & Self-Pay

Why Self-Pay

Your care, directed purely by clinical need.

Why SOMA Operates as a Private Pay Practice

SOMA operates outside of insurance networks for a single reason: to protect the integrity of your care. Insurance-based therapy requires a diagnosable mental health condition to be entered into your permanent medical record before treatment can begin. It caps session frequency, limits which modalities your clinician can use, and introduces a third party into the most private clinical relationship you will ever have. We believe that is an unacceptable compromise.

Self-pay means your treatment is not subject to authorization delays, arbitrary session limits, or insurance company reviews of your clinical notes. It means your clinician selects the modality that fits your nervous system — not the one an insurer will reimburse. It means you do not need a diagnosis to begin healing, and your records remain yours.

This is not a luxury positioning. It is a clinical decision rooted in the belief that trauma therapy must be free from structural interference to be effective. We pair this commitment with meaningful accessibility options to ensure cost is not a permanent barrier to care.

Reimbursement

Out-of-Network Benefits

SOMA partners with Thrizer and Mentaya to help you maximize your out-of-network insurance benefits. These services verify your coverage, submit claims on your behalf, and streamline reimbursement — so you can focus on your healing rather than paperwork. Most clients with out-of-network benefits recover between 50% and 80% of their session fees.

We provide superbills for every session, which you can submit independently if you prefer to manage your own claims. HSA and FSA accounts are accepted and can be used to cover the full cost of therapy sessions.

Accessibility

Making Care Accessible

We maintain a limited number of sliding-scale slots for clients experiencing financial hardship. These are available by application and are assessed on a case-by-case basis. If cost is the only barrier between you and care, we encourage you to reach out — we will work to find a path forward.

Package pricing options are available for clients committing to a consistent treatment cadence. These offer a modest reduction in per-session cost and are designed to support the continuity that trauma therapy requires.

Payment plans may be arranged by approval for intensive formats. Please inquire during your consultation and we will discuss what options are available for your specific situation.