Why Choose Cash-Based Care?

At Stillwaters, we’ve chosen a cash-based model of care because we believe our clients deserve a more personalized, transparent, and healing-centered experience. This model allows us to prioritize your well-being—not paperwork, insurance codes, or rushed appointments. Here's why so many individuals and families are turning to cash-based care:

Care Crafted For You

More Time, More Attention

In a cash-based setting, your session time belongs fully to you. Without the restrictions imposed by insurance companies, we’re able to take the time necessary to truly listen, understand your story, and tailor a care plan that supports healing in mind, body, and spirit.

Transparent, Predictable Pricing

There are no surprise bills, hidden fees, or denied claims. You’ll always know exactly what your investment in care will be, and you’ll have the freedom to decide what works best for your budget and your needs.

Confidential & Secure

Your mental health records remain private and are not shared with insurance databases. This discretion is especially important for individuals who value greater confidentiality in their treatment journey—such as professionals, first responders, or those in sensitive career fields.

Freedom to Personalize Your Care

Insurance companies often dictate what services are “medically necessary,” limiting your options. With cash-based care, you and your provider make those decisions together. This opens the door to integrative options such as psychotherapy, lifestyle interventions, functional medicine, and more—crafted uniquely for you.

No Delays in Starting Treatment

There’s no need for referrals, authorizations, or waiting for approval. When you're ready to start your healing journey, we are ready to meet you.

An Exclusive Experience

We work with a smaller number of clients to ensure each person receives the highest quality of care. This boutique approach means you won’t get lost in a system—you’ll be known, respected, and supported every step of the way.

At Stillwaters, cash-based care is not just a payment model—it’s a commitment to deep, intentional, and client-centered healing. We offer transparent, flat-rate pricing with no surprise or hidden fees. Superbills are available upon request for out-of-network insurance reimbursement. We offer complimentary out-of-network filing with insurance, but cannot guarantee reimbursement.