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Paying for therapy should not be a hassle. At Walnut, we do our best to make payment as simple as possible. We go the extra mile to bill your insurance provider directly so that you can focus on your therapeutic journey. Payment is automatically collected after each session. 

If you don't have insurance, we are happy to offer sliding scale rates for therapy. You are can select the sliding scale tier that is appropriate for you, based on your household annual income. We do not grill you about your eligibility or request proof of your income. Our sliding scale rates are below the average cost for therapy in Philadelphia, but we understand that the cost may still be prohibitive. In that case, you have the option to see an intern at a further reduced rate.

As you're considering the cost of therapy at Walnut, remember that this will be recurring weekly expense - we require weekly appointments at the same time each week. 


Our staff therapists are in network with Aetna, United, and Blue Cross Blue Shield.

All of these companies have subsidiaries and business partners, making it a little confusing. Variations of Aetna include Meritain, GEHA, Trustmark, and Coresource. Variations of United include Optum, United Behavioral Health, United Student Resources, UMR, All Savers, Oxford, and Golden Rule. We are in-network with all of these variations of Aetna and United, and we can also accept most Blue Cross Blue Shield variations, including Independence Blue Cross and Highmark.

However, we are NOT in network with Medicare or Medicaid plans, including Aetna Better Health and United Community plans.

Determining Your Insurance Benefits

Look for outpatient mental health benefits, and ask:

  • Is there a copay, coinsurance, or deductible that applies to outpatient mental health?

  • When do benefits start, renew, and end?

  • Are the benefits the same for in-office and telehealth sessions?

Sliding Scale Rates for individual therapy

We recognize that, without insurance, the cost of therapy can be a barrier to access. To counter this, all of our staff therapists offer sliding scale rates. These rates are based on your household annual income. That includes income from a married spouse, but does not include roommates.

Your annual income


$30,000 and below

$30,000 to $60,000

$60,000 to $100,000

$100,000 and above






Therapy with An Intern

Every year, we provide field work placements to graduate students in social work programs. These interns work with us for the whole school year, from September to May. They are handpicked for our practice and are closely supervised by our staff clinicians. For intern sessions, we offer a more reduced sliding scale rate.

Intern Session

$25 to $65

intern fees

Group therapy sliding scale rates

You can use insurance for group therapy, but sliding scale rates are also available. Check out our therapy groups!

Your annual income


$30,000 and below

$30,000 to $60,000

$60,000 to $100,000

$100,000 and above






Smiling Model

Take control of your healing and begin therapy with an LGTBQ+ competent and trauma informed therapist.

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