1.Jessica Garcia, LCSW, PPSCVerified
Tigard, OR
Anxiety · Codependency · Depression
psychologytoday.com/us/therapists/jessica-garcia-tigard-or/1423402 · orcounselors.com/provider/jessica-garcia
In-network: Self-pay
Insurance
Oregon Therapists Who Accept Private Pay
Find Oregon therapists who accept Private Pay.
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.
94providers listed
Licensed& verified
Telehealthoptions
OHP & insuranceaccepted
94 therapists
Accept this plan
91%
Offer telehealth
45
Sliding scale
Many
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Fee
$70–$200 /session
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$125–$175 /session
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$185–$185 /session
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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.