Oregon Providers Oregon Providers Directory
Find Match
↑↓ navigate ↵ open esc close
Insurance

Oregon Therapists Who Accept Private Pay

Find Oregon therapists who accept Private Pay.

91 providers found

As of April 2026, Oregon Counselor Directory lists many therapists listed on Oregon Counselors who accept private pay. These therapists provide a range of services, with all of them offering telehealth options, making it convenient for clients across Oregon to access therapy from home. Several private pay therapists also accept Oregon Health Plan (OHP), Oregon's Medicaid program, providing additional insurance coverage options. Several private pay therapists offer sliding scale fees, which can be beneficial for clients with varying income levels. This variety of options allows clients to find a therapist that suits their needs and preferences.

91providers listed
Licensed& verified
Telehealthoptions
OHP & insuranceaccepted
91 therapists
Accept this plan
91%
Offer telehealth
44
Sliding scale
Many
List themselves as accepting
Refine

Filters

Therapy for

City or ZIP

Find any filter

Specialty

Modality

Insurance

Gender

Faith integration

Client age

Options

Print referral list

Video Introductions

Meet these providers before you reach out.

Peter H Addy – Video Introduction
Peter H Addy
Peter H Addy
PhD, LPC, LMHC · Portland, OR
Lisa Headings – Video Introduction
Lisa Headings
Lisa Headings
Associate · Portland, OR
Beth Stoner – Video Introduction
Beth Stoner
Beth Stoner
MA, LPC, CCTP-II, ADHD-CCSP · Clackamas, OR
Shane Knox – Video Introduction
Shane Knox
Shane Knox
LMFT · Eugene, OR
Luke Allen, PhD – Video Introduction
Luke Allen, PhD
Luke Allen, PhD
PhD · Portland, OR
Liza Hadden – Video Introduction
Liza Hadden
Liza Hadden
Professional Counselor Associate · Bend, OR

Related Articles

From Oregon providers writing about this topic.

Therapy and Medication for ADHD Are Different Kinds of Help

Therapy and Medication for ADHD Are Different Kinds of Help

I am not a prescriber. I do not recommend medications or comment on what anyone should take. What I can do is explain how the two kinds of help differ, because people are often choosing between them without being told they are not the same thing.

Heather Swaney, MA, LPC
Can a Teenager in Oregon Start Therapy Without a Parent's Permission?

Can a Teenager in Oregon Start Therapy Without a Parent's Permission?

In Oregon, a 14-year-old can consent to their own outpatient mental health treatment. That surprises most parents and most teenagers. Here is what the law actually says and how I work with it in practice.

Heather Swaney, MA, LPC
Autism Assessment in Eugene: What I Do and Don't Provide

Autism Assessment in Eugene: What I Do and Don't Provide

If you came looking for an autism evaluation, I want to answer that in the first sentence rather than the last. I do not provide one. Here is what I can do instead, and where assessment actually comes from.

Heather Swaney, MA, LPC
Welcome to iFinish Strong Enrichment Center

Welcome to iFinish Strong Enrichment Center

Welcome to iFinish Strong Enrichment Center, where we believe that understanding your mental health can be an important step toward healing, growth, and living well. I’m Dr. Sandra Stubbs, and I invite you to visit us at ifscounseling.net. Our website is a great place to learn more about who we…

iFinish Strong
ADHD vs Anxiety in Women: How to Tell the Difference (and Why It Matters)

ADHD vs Anxiety in Women: How to Tell the Difference (and Why It Matters)

If you’re constantly overwhelmed, overthinking, or struggling to focus, you might wonder: Is this anxiety – or could it be ADHD? For many women, the answer is surprising. ADHD in women is frequently misdiagnosed as anxiety, leading to years of frustration and treatment that only partially helps. Understanding the difference…

Well Coast Medical Corporation
When Antidepressants Fail, Portland Patients Turn to TMS for Advanced Depression Relief

When Antidepressants Fail, Portland Patients Turn to TMS for Advanced Depression Relief

Over the past several years, conversations about mental health have become more common across Oregon. As more people speak up about struggling with mental health issues, the stigma surrounding mental health conditions like depression has shown signs of receding in Oregon. More people are seeking help, employers are expanding mental…

Shanti Recovery & Wellness
View all resources →

Frequently asked questions

Common questions about this coverage in Oregon.

What's the typical cost of therapy in Oregon?
In-network rates (what your insurance pays the therapist) are usually $90–$150 per session. Out-of-pocket / private-pay rates run $130–$250 per 50-minute session, with $150–$180 being the most common range in Portland. Specialists (EMDR, gender-affirming care, eating disorders) and seasoned therapists with 15+ years of experience charge more. Initial intake sessions are sometimes longer (75–90 min) and billed at a higher rate — typically $200–$350.
Can I get a superbill for out-of-network reimbursement?
Yes — most private-pay therapists in Oregon will provide a monthly superbill. You submit it to your insurance, and they reimburse you 50–80% of "usual and customary" rates after your out-of-network deductible (typically $1,000–$3,000 per year). Call your insurance first to confirm: Do I have out-of-network mental health benefits? What's my deductible? What's the reimbursement percentage? Is the CPT code 90837 covered?
Do therapists offer sliding-scale fees in Oregon?
Sliding scales typically range from $60–$120 depending on income, with most therapists reserving 1–3 sliding-scale slots in their caseload at any time. The Open Path Collective is also a useful Oregon-wide resource for $30–$80 sessions; many of those clinicians are also listed here.
Is paying out of pocket worth it for therapy?
It depends on what you need. For straightforward anxiety, depression, or grief, in-network providers are usually equivalent in quality. Private-pay opens access to: very specialized providers (specific niche modalities, populations, or issues), longer or less rushed intake assessments, faster scheduling, and avoiding insurance's diagnosis requirement on your medical record. Many clients who can afford it find it worth $500–$700/month for the right fit; others find equally good care in-network.
How do HSA / FSA accounts work for therapy?
Therapy by a licensed mental-health provider is a qualified medical expense for both HSA and FSA accounts. You can pay your therapist directly with an HSA/FSA debit card, or save receipts and reimburse yourself. The therapist doesn't need to bill anyone — you're using pre-tax dollars to pay an out-of-pocket service. This effectively reduces your therapy cost by your marginal tax rate (often 20–32%).
How do I find an affordable therapist if I don't have insurance?
(2) Pre-licensed associates (AMFT, Resident, Associate Therapist) under supervision typically charge $40–$90 and are often as effective as fully licensed clinicians. (3) Open Path Collective ($30–$80 sessions) and Lutheran Community Services Northwest are Oregon-specific low-cost options. (4) If you have employment, check whether your employer offers an EAP — typically 3–8 free sessions.
How many Oregon therapists accept private pay?
there are many therapists who accept private pay, providing clients with a range of services and flexibility in terms of payment options.
Is telehealth available for private pay therapists in Oregon?
Yes, all therapists who accept private pay in Oregon offer telehealth sessions, allowing clients to access therapy from the comfort of their homes.
Do private pay therapists in Oregon offer sliding scale fees?
Yes, several private pay therapists offer sliding scale fees, which can be helpful for clients with different income levels to access therapy.
Do private pay therapists in Oregon offer in-person sessions?
Yes, several private pay therapists offer in-person sessions, in addition to telehealth options, providing clients with a choice of session formats.

Oregon Counselors Directory lists many therapists who accept private pay. These therapists provide a range of services, with all of them offering telehealth options, making it convenient for clients across Oregon to access therapy from home. Several private pay therapists listed on Oregon Counselors also accept Oregon Health Plan (OHP), Oregon's Medicaid program, providing additional insurance coverage options. Several private pay therapists offer sliding scale fees, which can be beneficial for clients with varying income levels. This variety of options allows clients to find a therapist that suits their needs and preferences.

Oregon Cities

Specialties

Therapy Modalities

Alternative Therapies

Oregon Advantage

Oregon leads the nation in access to psychedelic-assisted and integrative mental health therapies.

View all Oregon therapies →