Fees & Insurance

The cost of therapy should never prevent someone from receiving services.  Merrimack River Wellness works hard to provide services accessible to all.  We accept several insurance providers (see below). If we are unable to provide services, we will provide you with contact information for other providers that may provide care that meets your financial needs.​

  • Fees are expected at the time of services.  Fees are inclusive of all services rendered, meaning that if we need to coordinate services with another provider, write psychosocial letters regarding your care, or communicate with your insurance company, there is no extra charge.  There may be some instances, as specified below, that may require an additional fee:​

  • Attendance at offsite meetings, including IEP, 504, and case management meetings may not be covered by your insurance.  The charge to attend these meetings is $100 per hour.​


Initial intake/consultation: $175

Individual/family session: $150

For your convenience, we accept cash, credit card, or check. If your check is returned, we will charge the bank fees to your account. We are happy to write a receipt for taxes, flex spending, or out of network insurance reimbursement.


Insurance reimbursement is available for the following providers:

  • ALLWAYS Health Partners

  • BlueCross BlueShield

  • Harvard Pilgrim

  • Tufts Commercial

  • United Behavioral Health

  • Optum

  • Out of Network

Merrimack River Wellness works with other insurance companies who reimburse for services rendered, often referred to as "out of network benefits."  You must check with your insurance company as to whether they offer out of network benefits.  Generally, they will reimburse 50-80% after the annual deductible.  Merrimack River Wellness is happy to complete and provide the necessary paperwork to assist you in being reimbursed for the cost of therapy.

Some insurance companies will allow a therapist to offer a "single case agreement" or "provider accommodation," which essentially means that they will contract with the service provider even though they are not in-network.  They may agree to do this if there is no one in their network who is an expert in the services you are seeking.  You must contact your insurance company and find out if this service is available.