Therapy rates and insurance in Houston, TX

Transparent pricing. No surprises.

We believe cost should never stand between you and the care you need. Here you'll find our insurance information, financing options, and affordable therapy pathways.

See if we're a good fit
Insurance acceptedIndividual therapy · BCBS, Aetna, UHC, Cigna
Sliding scale availableFor qualifying clients · Ask us
Financing availableCareCredit and Pay in 4 · Packages and intensives
Affordable therapy optionsStudent clinician sessions available

Insurance accepted for individual therapy only. Couples and family sessions are private pay. Sliding scale and financing available.

Blue Cross Blue ShieldAetnaUnited HealthcareCigna

A note on our sessions

How sessions work at Unload It Therapy

Couples and family: 90 minutes recommended

We recommend 90-minute sessions for all couples and family work, so every person in the room has time to be fully heard. All couples and family sessions are private pay.

Individual therapy: insurance accepted

Individual sessions are covered by BCBS, Aetna, United Healthcare, and Cigna. Your out-of-pocket cost depends on your plan, and we're happy to help you verify benefits.

Student clinician sessions

A more affordable pathway to therapy with our student clinicians, supervised by Roma Williams, LMFT-S. Sliding scale available. Texas only.

Intensive pricing

Deep work, accelerated

Intensives are private pay. A deposit is required to reserve your date. Financing is available through CareCredit and Pay in 4.

2 or 3 days

Couples intensive

From $4,500 / intensive

Months of couples therapy in a focused, immersive 2 or 3-day experience. For couples in crisis, or ready to do deep work in less time.

  • 2-day or 3-day options
  • 6 to 7 hours per day, with breaks
  • Gottman and EFT approaches
  • In person in Houston, or virtual
  • Deposit required to reserve your date

Extended sessions

EMDR intensive

From $2,750 / 12 hours

Extended EMDR sessions allow sustained focus that speeds up trauma processing. For individuals ready to go deeper than weekly sessions allow.

  • 12-hour minimum package
  • Flexible scheduling
  • Individual, private pay
  • In person in Houston, or virtual
  • Deposit required to reserve your date

A note on deposits: Your deposit reserves your intensive date and is applied toward the total cost. The remaining balance is due before the intensive begins. Payment plans are available through CareCredit and Pay in 4.

Financing options

Pay over time with CareCredit and Pay in 4

Two financing options for therapy packages and intensives, so cost doesn't stand in the way of the care you need.

CareCredit

Healthcare financing · Apply in minutes

A healthcare credit card that lets you pay for therapy over time with low monthly payments. Many plans offer 0% interest promotional periods.

  • Couples therapy packages
  • Couples intensives (from $4,500)
  • EMDR intensives (from $2,750)
  • Family therapy packages
Apply for CareCredit

Subject to credit approval. Interest may apply after the promotional period.

Pay in 4

Split into 4 payments · Zero interest

Split your total into four equal payments over 6 weeks, with zero interest, zero fees, and no hard credit check. Easy to set up before your intensive begins.

  • Couples therapy packages
  • Couples intensives (from $4,500)
  • EMDR intensives (from $2,750)
  • Family therapy packages
Ask us how to get started

Available through our client portal. First payment due at time of booking.

Sliding scale

We work with you, wherever you are

Access to quality mental health care shouldn't be determined by income. Sliding scale spots are available for qualifying clients at each clinician's discretion.

If cost is a barrier, bring it up during your free 15-minute consultation. We'll have an open, judgment-free conversation about what's possible.

Let's talk

Affordable pathways

Sliding scale therapyAvailable for qualifying individuals and couples at each clinician's discretion. Ask during your free consultation about current availability.
Student clinician sessionsA more affordable pathway with our supervised student clinicians, with sliding scale based on income. Texas only, supervised by Roma Williams, LMFT-S.
Pro bono spotsA limited number of pro bono spots for those in genuine financial hardship. Reach out, and we will do our best to connect you with care.

Common questions

Frequently asked about rates and insurance

Does insurance cover couples therapy?

No. Insurance only covers individual therapy, so couples and family sessions are private pay. Financing is available through CareCredit and Pay in 4 for packages and intensives.

How do I know what my insurance will cover?

Call the member services number on the back of your insurance card and ask about your mental health benefits. We can also help you verify your benefits before your first session.

Why do you recommend 90 minutes for couples and families?

90 minutes gives both partners, or every family member, time to be fully heard, which is hard to do in 50 minutes. It also allows for deeper work each session.

Can I use CareCredit or Pay in 4 for regular sessions?

CareCredit and Pay in 4 are for therapy packages and intensives. For individual sessions billed through insurance, your normal copay or deductible applies.

What is a superbill, and can I get one?

A superbill is an itemized receipt you can submit to your insurance for possible out-of-network reimbursement. We can provide one on request for private pay sessions.

How do I know if I qualify for sliding scale?

Bring it up during your free 15-minute consultation, and we'll have an honest, judgment-free conversation about what's possible. Availability varies by clinician and is limited.

Good Faith Estimate notice: Under the No Surprises Act, you have the right to receive a Good Faith Estimate of expected charges before your first session. Ask us for yours at any time.