Rates & Insurance

Soteria Counseling PLLC Memphis, TN

Affordable Mental Health Counseling in Memphis

At Soteria Counseling PLLC, we believe that high-quality mental health care should be accessible, transparent, and easy to understand. Whether you plan to use your insurance benefits or prefer to pay privately, we are committed to helping you receive compassionate, evidence-based counseling in a welcoming and supportive environment.

We provide individual therapy for adolescents, adults, and couples experiencing anxiety, depression, trauma, grief, stress, relationship concerns, substance use, life transitions, anger management, and other emotional challenges. Our goal is to make beginning therapy as simple and stress-free as possible.

Private Pay Therapy

Many clients choose private pay because it offers greater flexibility, increased privacy, and the freedom to focus solely on their treatment without insurance limitations.

Private Pay and Insurance Rates

Individual Therapy (50–60 minutes) $125

Couples Therapy (50 minutes) $175

Couples Therapy (90 minutes) $225 Extended

Payment is due at the time of your appointment. We accept cash and checks.

If you choose not to use insurance, federal law gives you the right to receive a Good Faith Estimate of the expected cost of your services under the No Surprises Act.

Insurance Accepted

Soteria Counseling PLLC accepts many insurance plans to help make mental health counseling more affordable for individuals and families throughout Memphis, Shelby County, and across Tennessee. Please refer to your insurance plan for benefits and network participation.

Insurance participation can change. If you are unsure whether your plan is accepted, our office is happy to verify your mental health benefits before your first appointment.

Out-of-Network Insurance Benefits

If we are not in-network with your insurance provider, you may still qualify for reimbursement through your out-of-network behavioral health benefits.

How Out-of-Network Benefits Work

1. Pay the private pay fee at the time of your appointment.

2. Receive a Superbill from our office.

3. Submit the Superbill to your insurance company for possible reimbursement based on your plan's out-of-network coverage.

Many PPO plans provide reimbursement for therapy services. We recommend contacting your insurance company before your first appointment to verify your deductible, reimbursement percentage, and mental health coverage.

What Is a Superbill?

A Superbill is a detailed receipt that includes the diagnosis and billing codes required by insurance companies to process out-of-network reimbursement requests. While reimbursement varies by plan, many clients receive partial reimbursement for counseling services.

Payment Policy

To simplify billing, all clients are asked to keep a secure credit or debit card on file.

Your card will only be charged for:

• Copays, deductibles, or coinsurance required by your insurance
• Private pay therapy sessions
• Missed appointment or late cancellation fees according to our cancellation policy
• Outstanding balances after insurance claims have been processed

Your financial information is encrypted and securely stored through our HIPAA-compliant electronic health record and payment processing system.

Good Faith Estimate

If you are paying for therapy without using insurance, you are entitled to receive a Good Faith Estimate that outlines the expected cost of your mental health services before treatment begins. Our office will gladly answer any questions regarding fees, billing, or payment options.

Start Therapy in Memphis Today

If you're looking for a licensed therapist in Memphis, TN, Soteria Counseling PLLC is here to help. We provide compassionate, evidence-based individual therapy, couples counseling, anxiety therapy, depression counseling, trauma therapy, grief counseling, substance use counseling, and relationship therapy for adolescents and adults. Whether you're using insurance or paying privately, we strive to make quality mental health care affordable, accessible, and centered on your individual needs.

Contact Soteria Counseling PLLC today to verify your insurance benefits or schedule your first appointment. Taking the first step toward better mental health—and healthier relationships—can begin today.