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Senior Citizen Couple
Senior Citizen Couple

Rates, Insurance, & Sliding Scale


I am an in-network provider for Anthem, Blue Cross Blue Shield, and Cigna.  For individuals and couples who are not with Anthem, BCBS, or Cigna, or decide to pay privately, I offer services according to the fee structure outlined below.


I accept most major credit cards.  I'll provide you with a paper copy of the credit card transaction receipt at the time of payment.

If making payment by check, please make it payable to "Roger A Ballou LLC."

Receipts for Reimbursement or Tax Deduction

If you are not with Anthem, BCBS, or Cigna, or if you simply want to pay out of pocket, I will give you a receipt at the end of each session that you can (a) file with your insurance company for reimbursement, (b) submit toward your annual insurance deductible, and/or (c) use as part of your itemized deductions for tax filing purposes.


Non-insurance, private pay rate:  $120.00 for a 50-minute session.

Sliding Scale

If an individual or couple is paying out-of-pocket (not using insurance) and concludes that he or she (or they) cannot afford the session rate of $120.00, then I will slide to $90.00 per session if the individual or couple meets the following criteria:

Take the total earned by all wage earners in the home during 2018 (adults, teens, etc.) and divide by 1,000.  If the result is less than 120.00, then I will gladly slide to $90.00 per session.

For example, both partners of a couple are employed.  They have two small children.  They are not insured under Anthem, BCBS, or Cigna.

During 2018, she earned a total of $55,000.00 and he earned a total of $40,000.00.  Their combined income, before adjustments, was $95,000.00 during 2018.  $95,000.00 divided by 1,000 comes out at 95.00.  Should this couple need counseling and feel that $120.00 is more than they can afford, then I am happy to see them for $90.00 per session.

In the same example, if she made $75,000.00 during 2018 and he made $65,000.00, the formula works as follows: $140,000.00 divided by 1,000 comes out at 140.  I would anticipate that this couple will pay the full session fee.

It's the honor system -- no need to show me tax returns or anything like that.  I take you at your word and totally trust you.  No questions asked.


Questions? Please contact me for further information.