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Our Payment Structure

Fees and Payment Options

Individual Psychotherapy services are $150 per 45-50 minute session.
Couples and Family Therapy sessions are $175 per 50 minute session and $260 per 90 minute session.

We accept payment by credit card, cash or check (payable directly to MontenegroMFT) at the time of your visit. BACK

Balance Accumulation

We are under legal and ethical obligation not to let a balance accumulate substantially. This is one of the reasons we require all sessions to be paid for at the time of service. If the balance rises substantially this can create a debtor-creditor relationship, which, together with the therapist-patient relationship, can constitute a dual relationship.

Payment Options: We accept payment by credit card, cash or check (payable directly to MontenegroMFT) at the time of your visit. BACK


We do not provided any refunds for services rendered. BACK


I work out-of-network with most insurance companies, which means we require payment by credit card, cash or check at the time of your visit. You may then submit my invoice to your insurance company so that they can reimburse you. The amount you will be reimbursed depends on your insurance policy and out-of-network mental health benefits. A growing number of insurance companies reimburse for psychotherapy. To confirm that your insurance company will reimburse for my services, we recommend calling them by phone and asking: "Does my policy cover mental health visits with out-of-network providers?" and “What is my deductible for these visits and how much will I be reimbursed?”

To simplify the reimbursement process, we will email you an invoice every 4-8 sessions with insurance billing codes, which is a receipt for your visit. You can submit this invoice directly to your insurance company. If the process is unclear, we will be happy to guide you through it. Payment for services is payable directly to
MontenegroMFT as outlined above. Your insurance policy is a contract between you and your insurance company. Even when we have such a contract with your insurance company, if they do not cover services, you are responsible for the payment. A separate contract exists between you and us regarding services. We do not place calls to insurance companies. The client must handle all communications related to insurance companies. ​ Please note that insurance companies vary widely in their policies regarding reimbursement for psychological treatment and therapy. If you cancel or reschedule a session less than 24 hours in advance or miss an appointment you will be billed for this session and insurance cannot be billed for the cancelled/missed session. The client is responsible for verifying and understanding the limits of his/her coverage, as well as his/her co-payments and deductibles. PLEASE KNOW AND UNDERSTAND YOUR INSURANCE COVERAGE PRIOR TO ATTENDING YOUR FIRST THERAPEUTIC SESSION. BACK

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3166 East Palmdale Blvd, Unit#104
Palmdale, CA 93550
(Office Visits By Appointment Only)

P.O. Box  900665
Palmdale, CA 93590-0665

Ph: (818) 275-4957