When a relationship is on the brink, deciding whether to stay together or part ways can feel overwhelming. Perhaps you’re at a crossroads where one partner is leaning towards divorce while the other hopes to save the marriage. You both may feel stuck in a cycle of doubt, hurt, and confusion. What do you do when you’re unsure of what the future holds?

Discernment counseling offers a way forward. It’s designed specifically for couples in this delicate, often painful situation. Instead of jumping straight into solutions, discernment counseling helps you slow down, breathe, and find clarity before making any life-changing decisions.

Consultation(15-20 minutes): Free

Initial session (90 minutes): $225

Follow up sessions (55 minutes): $175

One of the questions I often get is, “Do you accept insurance?” And while I understand how important this can be when budgeting for therapy, there are some key reasons why I choose not to work within the constraints of insurance for couples therapy.

Here’s why:

1. Couples Therapy Isn’t Considered “Medically Necessary” by Insurance Companies

Most insurance plans are designed to cover treatment for diagnosable mental health conditions, but couples therapy typically isn’t considered "medically necessary." This means it often isn’t covered at all or is restricted to cases where one partner has a diagnosis like depression or anxiety.

But here’s the thing: your relationship deserves care and attention, even if there’s no diagnosis. When insurance companies dictate the terms of therapy, they often focus on the individual’s symptoms rather than the relationship as a whole. This limits the depth of the work we can do together, keeping us from addressing the emotional and relational patterns that need healing.

2. The Freedom to Focus on What Matters Most

By not working with insurance, I’m able to provide therapy that is fully tailored to your unique relationship—without the constraints of insurance paperwork, diagnosis codes, or session limits. We can focus on what really matters: helping you and your partner reconnect emotionally and physically, without worrying about what the insurance company thinks is “necessary.”

When insurance dictates the process, it can also require sharing personal details about your therapy with the insurance company—something many couples aren’t comfortable with. Choosing private pay ensures your privacy and gives us the freedom to work together in a way that’s fully focused on  your needs, not on the limitations of a third party.

I Understand Therapy Can Be an Investment

I know that therapy is an investment—not just of your time and emotional energy, but of your financial resources too. And I understand that not being able to use insurance can be a concern. But when you invest in couples therapy, you’re investing in your relationship’s long-term health, happiness, and connection. The skills and insights you’ll gain can transform not only your current relationship but your ability to foster healthy, fulfilling relationships for a lifetime.

Many couples find that therapy helps them prevent future issues, potentially avoiding more costly interventions down the road. It’s about prioritizing your relationship now, so you can build a strong foundation for the future.

At the Naked Truth, we believe your mental health is a worthy investment; at the same time, we don't believe that therapy should cause additional financial stress. Therefore, we offer several ways to make therapy more accessible. 

1. Clients who do not have insurance or choose not to use their insurance benefits are eligible for a reduced rate based on household size and annual household income. 

 2. Group therapy is a highly effective form of shorter term therapy. This means you get the same benefits at a lower cost. Reduced rates are available for group therapy as well. 

 3. We partner with organizations that are also committed to making mental healthcare more accessible: 

 The Orange County Rape Crisis Center funds at least 18 therapy sessions for survivors of sexual violence. 

 Fund Recovery supplements client contribution to therapy costs; you pay what you can, and they handle the rest! 

 If you have questions about accessing any of the above resources, please contact us at Connect@ceethesexlady.com