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How much does therapy cost? A Maryland guide
By Hearthway Behavioral Health, November 13, 2026
It depends mostly on how you pay. With Maryland Medicaid, therapy is covered for members. With other insurance, your cost is your plan's copay, coinsurance or deductible. Without insurance, you pay the practice's self-pay rate, and you have the right to a written Good Faith Estimate before you start.
What changes the cost of therapy
- How you pay: Medicaid, other insurance, or self-pay
- Your plan's terms: copay, coinsurance and deductible
- Session length: intake visits are usually longer than regular sessions
- How often you go: weekly sessions cost more per month than every other week
- Whether you add medication care: medication visits are billed separately
Insurance terms in plain words
| Term | What it means |
|---|---|
| Copay | A set amount you pay for each visit |
| Coinsurance | A percentage of the cost you pay after your deductible |
| Deductible | What you pay each year before your plan starts paying |
| In network | Your plan has a contract with the provider |
| Explanation of Benefits (EOB) | A statement from your plan showing what it paid |
Your right to a Good Faith Estimate
If you don't have insurance or aren't using it, providers must give you a Good Faith Estimate of the cost of non-emergency care. Get it in writing at least 1 business day before your visit. If your bill is at least $400 more than the estimate, you can dispute it. More information: cms.gov/nosurprises/consumers or 1-800-985-3059.
Ways to keep therapy affordable
- Check whether you qualify for Maryland Medicaid
- Ask the practice to verify your benefits before the first visit
- Telehealth saves travel time and time off work
- Ask how often you really need sessions as you improve
Therapy costs at Hearthway
We accept Maryland Medicaid and check other coverage before your first visit. For self-pay rates, call our office. The first appointment is an intake visit, billed like other visits.
At Hearthway
Online therapy
One-on-one therapy with a licensed clinician by secure video or phone, for children from age 6, teens and adults anywhere in Maryland.
Questions about your situation?
Talk to our office, Monday to Friday, 9 to 5.