Cash-Based Mental Health Care | Stillwaters
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Care that puts you first

CASH-BASED CARE

Stillwaters is a cash-based mental health practice. That means we do not bill insurance directly. Instead, we work directly with you so your care stays personal, private and centered on what you actually need.

Cash-based care allows for longer appointments, thoughtful treatment decisions and a more human approach to mental health.

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What does cash-based care mean?

Cash-based care means you pay for services at the time of your appointment rather than through an insurance company.

You are always informed of pricing upfront with no surprise bills or hidden fees.

This model allows us to:

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  • Spend more time with each patient

  • Customize care without insurance restrictions

  • Protect your privacy and clinical autonomy

  • Focus on quality over volume

OUR BILLING MODEL

Care without insurance rules attached.

We chose a cash-based model because insurance often dictates how care is delivered. Appointments get shorter. Treatment options get narrower. Conversations feel rushed. That didn’t align with how we want to care for women.

By working directly with our patients, we’re able to spend more time listening, make thoughtful treatment decisions and create space for care that evolves with you. No boxes to check. No pressure to move faster than you’re ready for.

This model allows us to focus on quality, privacy and care that actually feels supportive.

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Transparent Pricing

All services are clearly priced and discussed before care begins. You’ll always know what to expect, and you’ll never receive a bill weeks later that catches you off guard.

CASH-BASED CARE MAY BE RIGHT FOR YOU IF YOU:

  • Want longer, more personalized appointments

  • Value privacy and discretion

  • Prefer care without insurance-driven limitations

  • Are looking for a slower, more supportive approach

  • Have out-of-network benefits or plan to self-pay


If cost is a concern, we’re happy to talk through options and help you decide if this model makes sense for you.

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Flexible Options for Paying for Care

At Stillwaters, we believe quality mental health care should feel accessible, transparent, and supportive. While we do not bill insurance directly, we offer tools that may help make care more manageable for patients.

REIMBURSIFY

Patients with out-of-network benefits may be eligible for reimbursement through Reimbursify. Submit claims directly to your insurance provider using superbills provided by Stillwaters.

CARECREDIT

We also accept CareCredit, a healthcare financing option that allows qualified patients to pay for care over time through manageable monthly payments.

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Financial Assistance

We understand that financial hardship can sometimes make accessing care feel overwhelming. When possible, we are committed to working with patients to explore supportive care options.

Sliding Scale and Payment Support

We offer a limited number of reduced-rate sessions for individuals experiencing financial hardship. Availability is based on income, need and current capacity. Support options may include:
 

  • Reduced-rate sessions

  • Flexible payment plans

  • Short-term financial hardship support

  • Community resource referrals


A valid card is required for all clients. If approved for a reduced rate, your card will only be charged the adjusted session fee.

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Questions? Let’s Talk.

Choosing mental health care is a big decision. If you’re unsure whether cash-based care is right for you, we’re happy to answer questions and talk through your options.

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