Fees & what to expect

Transparent pricing. No surprises.

Three clinician tiers, clearly priced. Insurance accepted by 12 major plans. HSA/FSA welcomed. We tell you what you'll pay before you book — and we mean it.

See pricing What to expect

Three tiers · One standard of care

Clinician tiers reflect experience — not quality.

Every clinician on our team is Florida-licensed, personally selected by Melanie, and held to the same clinical standard. Pricing below is for private pay. With in-network insurance, most clients pay only their copay.

Waitlist

Founder tier

^$300 _{/ session}

Direct work with Melanie Rosemberg, LMHC, MFT. 15+ years experience. Currently 2–4 week waitlist.

✓ Sessions directly with the founder
✓ Complex cases & specialty referrals
✓ Bilingual English/Spanish
✓ Limited slots, by application

Join the waitlist

Most chosen

Senior clinician

^$210 _{/ session}

Experienced Florida-licensed clinicians (10+ years). Personally trained & supervised by Melanie. Available within 5–7 days.

✓ Licensed clinician, 10+ years experience
✓ Selected & trained by Melanie
✓ First session typically within 5–7 days
✓ Weekly case consult with Melanie
✓ Summer & break continuity

Get matched

Associate clinician

^$175 _{/ session}

Florida-licensed clinicians earlier in their careers, directly supervised by Melanie. Same approach, more availability, lower rate.

✓ Florida-licensed clinician
✓ Direct supervision by Melanie
✓ Greatest scheduling availability
✓ Sliding-scale slots available
✓ Itemized superbill provided

Get started

Package savings

Prepay 10 sessions and save 10% at any tier. Useful for college parents budgeting a semester at a time.

Sliding-scale slots

A limited number of reduced-rate associate slots are reserved each semester for families with demonstrated need. Ask during your intake call.

Insurance & payment

In-network with 12 major plans.

Most clients pay only their copay. We verify benefits before your first session — you'll know exactly what you owe.

Aetna

United Healthcare

UHC Student Resources

Optum

Oscar

Oxford

UMR

All Savers

Harvard Pilgrim

Meritain

Cigna

Lyra

In-network

If we accept your plan, you pay only your copay. We verify benefits before your first session.

Out-of-network

Different plan? We provide a monthly superbill for out-of-network reimbursement. Most Florida plans cover 40–80%.

Private pay

Prefer to keep therapy off insurance entirely? Pay directly by card, HSA, or FSA. Package and sliding-scale options available.

We do not currently accept Medicare or Medicaid.

What to expect

From the first call to ongoing care.

Day 1

Free 15-min intake call

Our intake coordinator listens to what's going on, answers questions, verifies your insurance, and recommends the right tier.

Day 2

Two matched clinicians

We send you bios for two clinicians who fit your concerns. You pick the one who feels right — not us.

Within 7 days

First session, 50 min, online

Card on file. Secure telehealth platform. From anywhere in Florida. The session is mostly listening — and the start of the work. You'll complete a few intake forms through our secure portal beforehand — we'll email the link after you choose your clinician.

Ongoing

Weekly or biweekly

Most clients meet weekly for the first few months, then biweekly. Your clinician will recommend a cadence based on your goals.

Common questions

About fees, insurance, and what to expect.

Why are private-pay rates structured by tier?+

Because the realistic clinical reality is that experience varies, and so should the fee. Every clinician on our team meets the same standard of clinical training, supervision, and approach — but a clinician with 12 years of independent practice and a clinician three years out of graduate school are not the same product. We let you choose, transparently.

Do you accept insurance?+

Yes. We are in-network with 12 major plans: Aetna, UnitedHealthcare, UnitedHealthcare Student Resources, Optum, Oscar, Oxford Health Plans, UMR, All Savers, Harvard Pilgrim, Meritain, Cigna, and Lyra. We do not currently accept Medicare or Medicaid. For out-of-network plans, we provide a monthly superbill for reimbursement (most Florida plans cover 40-80% of session costs).

Will my insurance copay be different than these prices?+

Yes — typically much lower. The private-pay rates listed are for clients paying directly. If we accept your plan in-network, you pay only your copay (often $0–$60 per session). Our intake team verifies your benefits before your first session, so you know exactly what you'll pay.

Can I use HSA or FSA funds?+

Yes. Mental health therapy with a licensed clinician is a qualified medical expense for both HSA and FSA accounts. We provide documentation as needed.

What's your cancellation policy?+

We ask for 24 hours' notice. Cancellations within 24 hours are charged the full session rate (insurance does not cover late-cancellations or no-shows). Life happens — we don't enforce this rigidly the first time, but consistent late-cancellations interrupt the clinical work.

Do you offer packages or sliding scale?+

Yes to both. Prepaid packages of 10 sessions save 10% at any tier. A limited number of sliding-scale slots are available each semester at the associate tier for families with demonstrated need — ask us during your intake call.

What happens at the first session?+

Your clinician will spend most of the first session listening: what brought you here, what's been hard, what you've tried, what you want to be different. They'll explain how they think about the work and check in about fit. By the end, you'll have an early sense of the focus, the cadence, and the timeline. Concrete change-making typically starts in session two or three.

Have a benefits question? Let's check it together.

Our intake coordinator will verify your insurance and tell you exactly what your sessions will cost before you book.

Call (305) 396-6009 info@360therapy.care