1.Dr. Xander Hayden, PsyD, LPC, LMHCVerified
(503) 343-1324
5901 S Macadam Ave Ste 100, Portland, OR 97239
Autism · Chronic Illness · Eating Disorders
orcounselors.com/provider/dr-xander-hayden-portland
In-network: Self-pay
Insurance
Oregon Therapists Who Accept Private Pay
Find Oregon therapists who accept Private Pay.
This variety of options allows clients to find a therapist that suits their needs and preferences.
- 111
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- Telehealth
- options
- OHP & insurance
- accepted
- 111 therapists
- Accept this plan
- 87%
- Offer telehealth
- 54
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111 providers found
Dr. Xander Hayden
Accepts Private PayAccepting Verified
- Fee
- $230–$230 per session
- In-network
- Moda Health, UnitedHealthcare UHC / UBH, Regence +7 more
David Culver
Accepts Private Pay- Fee
- Up to $225 per session
- In-network
- OHP: PacificSource, Trillium, Open Card, Aetna, BlueCross BlueShield +12 more
Wohali Radford
Accepts Private Pay- Fee
- $100–$170 per session
- In-network
- OHP: CareOregon, Health Share, PacificSource and 1 more, Aetna
- Payment
- Private Pay +3 more
Amber Rose Dullea
Accepts Private PaySean M Smith
Accepts Private PayManesha Ram Psychotherapy
Accepts Private Pay
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Complex Trauma vs PTSD: Understanding the Difference, and Why It Matters
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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?
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?
The Open Path Collective is also a useful Oregon-wide resource for $30–$80 sessions.
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.