Hourly fees are not reduced.  If you are not able to pay out-of-pocket fees for services, you have other options. You may check with referral sites such as Psychology Today, Zencare, Therapy Den, Better Help, and the Therapy Matcher service of the National Association of Social Workers. Most of these sites have ways to narrow down the service areas you want (e.g., play therapy,  trauma, adoption, language preferred, etc.) and by insurance accepted. Some search engines are national, so make sure you are searching in the state where you need services.   You can also call the number on the back of your health insurance membership card and request a list of behavioral health providers who are in-network and who will accept your insurance as direct payment for services. 

There are no state or national limits on therapy fees and no mandates that any mental health professional in private practice contract with health insurance companies for payment of services or offer reduced rates.

All sessions must be paid in full on the day of service. Sessions that are attended, and all missed appointments and sessions cancelled with less than 24-hours notice, must be paid for in full at the time of the scheduled appointment. 

Call the member services number on the back of your health insurance identification card and ask if you have out-of-network benefits for behavioral health services. If you do, ask them the rate of reimbursement, or how much they pay you back per session. This rate will vary based on the service you need and the level of degree and licensure of the therapist.