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Investment
We believe rate transparency is a very important part of the initial therapy process.
Let's first address the elephant in the room... do we accept insurance?
At Sovereign Self Mental Health, we’ve chosen not to work directly with insurance companies in order to protect your privacy, autonomy, and the integrity of your healing. When insurance is involved, your mental health records are no longer fully confidential — they can be accessed and reviewed by third parties, and that information can be used to approve, deny, or limit other medical services in the future. Insurance providers also require a formal diagnosis and often restrict what they will or won’t cover based on their own criteria, not your needs. They can deny coverage at any time, for any reason, without explanation.
By stepping outside of this system, we preserve your right to choose the type of care that truly serves you — without interference, without labeling, and without compromise.
We understand that finances can be a barrier for some which is why we created a tiered therapy model that allows clients to choose their path based on time, energy, and financial capacity. You can view the payment structure for each tier at the bottom of this page. If you're feeling unsure about how to make therapy financially sustainable, we offer a low-fee financial therapy session ($75) to help you review your budget and create a plan that makes investing in your mental health feel more possible and less stressful.
And if you're hoping to use insurance, we do support out-of-network benefits for Colorado and clients. To find out if your plan includes this option, feel free to use the HIPAA-compliant benefits checker below.​
Tier 1- Self Therapy
The initial Self-Therapy session is a 2-hour deep dive designed to clarify your goals, assess your current needs, and create a personalized roadmap to guide your healing journey. This session is a one-time investment of $375 and includes a customized Self-Therapy Kit with a roadmap and two powerful, personalized tools to support you in doing the work on your own. Additional accountability or guidance sessions are available as needed at $125. These are intentionally priced at a lower rate, reflecting the self-led nature of this model.
Self-Therapy is built for those who want freedom, structure, and support — without the weekly commitment of traditional therapy.
Tier 2- Short-Term Therapy
Each 3-month focused therapy offering rate is based off the therapist you are working with. The price ranges from $110-$200 per session. This includes your intake session, 12 weekly one-hour sessions, and a financial therapy session you can use at any point during the container.
We offer weekly or monthly payment options to support accessibility and ease.
This structure is designed to provide focused, transformative care — with clarity, flexibility, and mutual respect at the center.
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If you're on a verified waitlist to start therapy through your insurance, we offer short-term support to bridge the gap. Sessions are $75 each, with a maximum of 6 sessions available.
Need immediate clarity around your finances? Our one-time Financial Therapy session provides targeted support for money stress, scarcity patterns, or shifting your relationship with money for $75.
Tier 3- Long-Term Therapy
Long-term therapy is available as weekly or bi-weekly one-hour sessions for those ready to dive deep, explore lasting transformation, and tend to their healing over time. To honor the importance of fit and connection, the first three sessions are offered at a lower rate — giving you space to get to know your therapist and feel into the relationship before fully committing. After that, session fees slightly increase and can continue for as long as feels supportive. Session prices depend on the therapist you choose and range from $125-$200.
This offering is designed for those walking with long-standing trauma, chronic stress, complex mental health patterns, or simply a desire to rebuild life from the inside out — gently, deeply, and with consistent care.