Rates & Insurance

Rates & Insurance


The fee is $155 per 50-minute session. This fee is the same for in-office or telehealth video sessions. Therapy sessions are paid via credit card, debit card, cash, or check. Checks are made payable to “Katie Navarra.” I do accept Health Savings Account debit cards. Your credit card information is stored securely and is password protected in your client portal and charged on the day of your session.


I am an out of network, private pay provider. I am not a contracted provider with any insurance company or managed care organization. Should a client choose to be reimbursed through insurance, some insurance PPO’s reimburse for out-of-network providers. Please contact your provider to ask them if your plan offers partial or full reimbursements for out-of-network services. A superbill can be automatically generated for you at the beginning of each month, which you can submit to your insurance provider. You can access the superbills through the client portal and you will also receive an automatic email notification when new superbills are available.

To be fully informed, check with your insurance company at the beginning of treatment and inquire specifically about your mental health benefits. Ask them if your plan offers partial or full reimbursements for out of network services when you submit a superbill. Also ask about any limits they place on treatment. (i.e. number of sessions allowed, maximum amount reimbursed per session, whether they reimburse for family sessions, etc.)

Existing Clients: Remember to save your client portal login information or refer back to the original setup email.

Please be aware that if you submit your superbill to your insurance carrier, a DSM diagnosis code will be filed in your medical records regarding your current mental health status.


The standard meeting time for psychotherapy is 50 minutes. Requests to change the 50-minute session needs to be discussed with the therapist in order for time to be scheduled in advance (the fee will be changed based on length of therapy session). Sessions are typically weekly with transition to bi-weekly or monthly after discussing treatment options and goal progress.

Please remember to cancel or reschedule 24 hours in advance. You will be responsible for the entire fee if cancellation is NOT RECEIVED AT LEAST 24 HOURS IN ADVANCE. This is necessary because a time commitment is made to you and is held exclusively for you. If you are late to your session, please understand that the session will not extend past your 50-minutes, nor will the time be made up at future sessions, as this will impact other clients I see.


I do not consent to requests for court appearances (unless legally mandated). A strict letter-writing policy is upheld and documents are only written for limited and necessary circumstances. Letters will not be written for custody or divorce cases. If documents are composed, the time delegated is billed at the normal hourly rate.


Please contact me for any additional questions you may have. I look forward to hearing from you!

2280 E Bidwell Suite 214
Folsom, CA 95630

(530) 683-2191

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