Coverage that works with your life.
Most major Hawaiʻi insurance including Quest is accepted. Sliding-scale fees are available to anyone who needs them.
Step One
Verify your insurance before your first visit.
Send us your insurance details and we'll let you know within one business day what your plan covers — including copay, deductible, and any out-of-pocket estimate.
Verify Insurance & Reach Out →In-Network Plans
Plans we accept.
We're in network with most major Hawaiʻi insurance. If your plan isn't listed, reach out — coverage panels change, and we'll let you know where we stand.
HMSA
In-NetworkKaiser
In-NetworkUHA
In-NetworkHMAA
In-NetworkTricare
In-NetworkAlohaCare
In-NetworkUHC
In-NetworkMed-QUEST
In-NetworkMedicare
In-NetworkPlan not listed?
Let us check.
A note on out-of-network coverage.
If your plan isn't in our network, you may still be able to use your out-of-network benefits. We can provide a superbill — a detailed receipt you submit to your insurer for partial reimbursement. Many PPO plans cover 50–80% of session fees this way.
Three Ways to Access Care
Pathways to care.
Coverage shouldn't determine whether you get help.
With insurance
Most major Hawaiʻi plans accepted. We bill your insurance directly. Copay or coinsurance per visit, depending on your plan.
Your copay
Sliding scale
Discounted fees scaled to family size and income, for clients without coverage or with inadequate coverage.
Case by case basis
Self-pay
Published private-pay rates, no insurance involvement, and no diagnosis shared with any payer. Full rate schedule below.
$100 – $180 per therapy session
Self-Pay Rates
What it costs without insurance.
Rates for clients paying without insurance. Uninsured and self-pay clients receive a written Good Faith Estimate before treatment. A discounted fee schedule based on family size and income is available on request.
| Service | Rate |
|---|---|
| Psychotherapy, 30 minutes(90832) | $100 |
| Psychotherapy, 45 minutes(90834) | $150 |
| Psychotherapy, 60 minutes(90837) | $180 |
| Family therapy (client present)(90847) | $150 |
| Group therapy(90853) | $65 |
| Diagnostic evaluation with a therapist | $200 |
| Psychiatric evaluation (first visit with our PMHNP) | $300 |
| Medication management visit | $200 |
| Medication management with psychotherapy | $250 |
How Billing Works
The three steps, plainly.
Verify
We check your plan's coverage, copay, deductible, and session cap before your first appointment.
We submit claims
After each session, we bill your insurance directly. No paperwork on your end. No mailing forms.
You pay your portion
Copay or coinsurance is charged to the card on file. Statements live in your client portal.
Honest Answers
Questions worth asking.
Do I need a referral?
Usually no — most Hawaiʻi plans don't require a PCP referral for mental health. Tricare Prime is one exception. We'll tell you what your plan requires when we verify benefits.
What will I actually pay out of pocket?
It depends on your plan and where you are with your deductible. Most clients pay between $0 and $50 per session as a copay. We give you a concrete estimate before your first visit — no guessing.
Is the sliding scale real?
Yes. It's not a marketing line — it's a real fee schedule scaled to family size and income. If you're uninsured or your plan is inadequate, ask. We'll figure out what works.
Can I use my HSA or FSA?
Yes. Mental health care is a qualified medical expense for HSA, FSA, and HRA accounts. We can provide receipts or superbills for reimbursement.
What if my insurance changes?
Tell us as soon as you know. We'll re-verify with the new plan and pause billing if there's a gap. You won't get a surprise bill from us.
Will I get a Good Faith Estimate?
If you're self-pay or uninsured, yes — federal law (the No Surprises Act) requires us to give you a written estimate of expected costs before treatment.
When you're ready
Coverage isn't the question — care is.
Let us verify your insurance and walk you through what care will actually cost. No commitment, no awkwardness.