I am an out-of-network provider. You may choose to file for out-of-network reimbursement from your insurance company. The insurance company may pay for services or a percentage of services. I will cooperate with the insurance company in this process by writing any clinical reports they require but you will be responsible for finding out what is required. You may choose not to use insurance and instead pay for services “out of pocket”. Clients who do this have an additional level of confidentiality and control over their own treatment because treatment decisions are made between the provider and the client without input from an insurance company.

I am not a Medicare or Medicaid provider. This means clients with Medicare or Medicaid insurance would be expected to pay full payments at the time of sessions.

Accepted Payments

Payment is due in full at the beginning of each session.

  • Check or Cash is preferred but I accept all major credit cards for payment.
  • I also accept Health Savings Account (HSA) or Flexible Spending Account (FSA) cards with the Visa or MasterCard logo.

Fees for Sessions

  • Prior to intake, I like to schedule a 20 minute complimentary phone consultation to better understand what your therapeutic needs and fit. You can schedule that phone call HERE.
  • 53-Minute Session is $155
  • 90-Minute Session is $260
  • Individual Initial Assessment (90 minutes) $260
  • Couples/Family Initial Assessment (90-120 minutes) $300
  • All other charges will be prorated according to session length.
  • For additional information about rates and fees, please contact me for my current “Fee Agreement and Financial Policy” document.

Good Faith Estimate


Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
  • Make sure your health care provider gives you a Good Faith Estimate in writing at least one business day before your medical service or item. You can also ask your health care provider, and any other provider you choose for a Good Faith Estimate before you schedule an item or service.
  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
  • Make sure to save a copy or picture of your Good Faith Estimate.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 804-396-41355.

Information, services, messages, and other content on this website are provided for educational and informational purposes only. No warranty is expressed or implied with respect to health care, treatments, or any other matter. Certain links included on this website are links to other websites owned by third-parties. Dr. Kathryn Wilder-Schaaf is not affiliated with, does not endorse, and is not responsible or liable for any content, advertising, products, services, or other materials appearing on any linked website.