Investing in Your Well-Being
Choosing therapy is an investment in your relationships, peace of mind, and long-term well-being. At Two Currents Counseling, I keep the process transparent and supportive from the start.
Session Rates
$135 — 60-minute Individual Session
$155 — 60-minute Couple or Family Session
$185 — 90-minute Couple or Family Session
Longer sessions can be arranged for intensives or extended work upon request.
Insurance
I currently accept the following plans (some may be billed through Headway):
Independence Blue Cross (PA) — Commercial
Highmark Blue Cross Blue Shield (PA)
Capital Blue Cross (PA)
Geisinger Health Plan
Aetna
Cigna / Evernorth
Horizon Blue Cross Blue Shield of New Jersey
Carelon Behavioral Health (formerly Beacon)
Quest Behavioral Health
Anthem EAP
Tip: Coverage varies by plan. Please confirm that your specific policy includes outpatient mental health benefits.
Questions to ask your insurer:
Does my plan include outpatient mental health benefits?
What is my copay/coinsurance per session?
Do I have a deductible, and has it been met?
Is Michael Osborne, LPC / Two Currents Counseling in-network for my plan?
Do I need a referral or preauthorization?
If your plan is out-of-network, I’m happy to provide a Superbill for potential reimbursement.
Private Pay
Many clients choose to pay privately rather than use insurance, especially for couples and family therapy. Insurance companies typically cover only treatment for a diagnosable mental health condition (such as depression or anxiety) for one identified client, not for relationship-focused work. This means that couples or family sessions often do not qualify for reimbursement through insurance, especially when relationship distress is the main concern.
Private pay removes those limitations. It allows for greater privacy, flexibility, and control over your care, including session length, structure, and therapeutic approach. This eliminates the constraints of diagnostic or administrative requirements of managed care.
Some services such as premarital counseling and parent coaching are private pay services only and not covered by insurance and are subject to the private pay couple and family rates.
Payment is accepted by: cash, check, or all major credit cards.
Cancellation Policy
Please provide 48 hours’ notice to cancel or reschedule. Late cancellations or no-shows may be charged the full session fee.
Questions?
If you’re unsure how your benefits work, reach out—I'm glad to help you navigate options and find what fits best.