Thrive is a private pay practice. We are not in-network with insurance for counseling, and that is by design. It is how we protect the things that make therapy work: time, privacy, experienced clinicians, and a plan shaped entirely by your goals.
Insurance was built to manage medical costs, not to deliver the kind of therapy that changes lives. Stepping outside that system lets us give every client something rare: care that is unhurried, private, and fully personal.
In-network therapists often carry very large caseloads to make low reimbursement rates work. Our clinicians keep intentionally smaller caseloads, so they show up to your session rested, prepared, and fully present.
No session caps, prior authorizations, or medical necessity reviews. You and your therapist decide how often to meet, which approach fits, and when you’re ready to finish.
Insurance requires a diagnosis to pay for a session, and that diagnosis goes into your claims history. Paying privately keeps your care between you and your therapist.
No authorizations or network hoops to clear. Our team responds quickly and we don’t run long waitlists, so you can get support when you actually need it.
Since 2011, Thrive has built a team of clinicians who keep investing in specialized training, so you can be matched with the right approach, not just the next open slot.
Couples counseling, family therapy, and therapy intensives are frequently excluded by insurance. Here, the work you need is the work we do.
| Typical insurance-based therapy | Private pay at Thrive | |
|---|---|---|
| Who shapes your care | Your insurer sets rules on session length, frequency, and approved treatments | You and your therapist |
| Diagnosis | Required to bill, and shared with your insurance company | Only used when clinically helpful to you |
| Record reviews | Insurers may review notes to approve continued care | Your records stay with your care team |
| Therapist caseload | Often high volume to offset low reimbursement | Intentionally smaller caseloads |
| Couples and family therapy | Often not covered | Welcomed and specialized |
| Getting started | Network searches, authorizations, and waitlists | Fast response and no long waitlist |
Insurance plans vary. If you choose to use out-of-network benefits, a diagnosis will be included on your superbill.
Every session is 50 minutes. Rates vary by each therapist’s licensure and experience, and we’ll confirm yours before your first visit.
Your therapist gets to know you, your history, and your goals, then builds a treatment plan tailored to you.
Book your first sessionIndividual, couples, and family counseling with the same therapist, in person in Gilbert or by telehealth anywhere in Arizona.
Book onlineQuality care from skilled master’s level students, closely supervised by our licensed clinical team.
Book onlinePaying without insurance? You have the right to a Good Faith Estimate of your costs.
Many PPO plans reimburse part of the cost of therapy with an out-of-network provider.
Use pre-tax health dollars for therapy. We also accept credit cards, cash, and checks.
We accept Empowerment Scholarship Account funds for eligible students.
Eligible first responders can use Craig Tiger Act benefits and PSCS (Public Safety Crisis Solution) EAP benefits.
Our psychiatric providers accept select insurance plans. This coverage applies only to psychiatry and medication management, not counseling sessions. Having both under one roof means your therapist and prescriber can coordinate your care.
Self-pay rates shown. Your cost with insurance depends on your plan.
Not for counseling. Thrive is a private pay therapy practice and is not in-network with any insurance company for therapy. Many clients still get money back by submitting a superbill to their insurance for out-of-network reimbursement. Our psychiatry and medication management services do accept Cigna, BCBS, Aetna, Optum, and Oscar Health.
Staying out of network lets your therapist and you decide what your care looks like, not an insurance company. It means no medical necessity reviews or session limits, more privacy, and intentionally smaller caseloads so every therapist has the time and energy to give you their best work.
First sessions (intakes) are $155 to $215 and ongoing 50-minute sessions are $140 to $185, depending on the therapist's licensure and experience. Sessions with supervised master's level students are $65 to $85.
Yes. We provide a superbill you can submit to your insurance company. If your plan has out-of-network mental health benefits, you may be reimbursed for part of each session. Use our free benefits checker to see what your plan may cover.
A superbill is a detailed receipt with the service codes, dates, and provider information your insurance company needs to process an out-of-network claim. You pay Thrive directly, submit the superbill, and your insurer reimburses you based on your plan.
For many people, yes. Private pay therapy usually means faster access, more experienced clinicians, more privacy, and treatment planned around your goals instead of an insurer's rules. Clients often find they make progress sooner, which can mean fewer sessions overall.
Thrive offers individual, couples, family, and child and teen therapy, plus ADHD testing and therapy intensives. Our clinicians are trained in specialized approaches including EMDR, IFS (Internal Family Systems), expressive arts therapy, and play therapy.
Often it does not. Most insurance plans only pay to treat a diagnosed condition in one person, so couples counseling and family therapy focused on relationships, communication, and parenting are frequently excluded or limited. As a private pay practice, Thrive can work with the whole family or couple, for as long as it helps, without that restriction.
Yes. Thrive accepts HSA and FSA cards as well as Arizona ESA funds, along with credit cards, cash, and checks. Financing is also available through CareCredit and Advance Care.
Yes. Sessions with our supervised master's level students are $65 to $85. Eligible first responders can also use Craig Tiger Act benefits and PSCS (Public Safety Crisis Solution) EAP benefits.
Under the No Surprises Act, if you are not using insurance you have the right to receive a Good Faith Estimate of the expected cost of your care. Ask us for one anytime before or during treatment.
Talk with our Client Care team about your goals, and we’ll match you with the Thrive therapist who fits you best.
