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Treatment and Payment:

Therapy is an investment in yourself...

You may wish to start looking at therapy in general as an investment in yourself and by extension your relationship to everything else.  By addressing the issues you are seeking support around, you will free up your mind and heart to be more productive and passionate about life, ultimately supporting your potential to create a life worth living!


It is my perspective that therapy works best if done at least once a week for 6 months to 1 year.  It is an investment in time and energy to process your issues that are holding you back from optimizing your life while you may have a budget, recognize that you are investing in future you and your worth every penny!

Given that therapy is an investment in yourself, so you have the right to be able to estimate the cost of your treatment, you have the right to ask for A "GOOD FAITH ESTIMATE" which will break down the fees you can expect over the course of treatment, which for good work is usually once a week for 6 months to a year. Please ask during the intro call if you would like a good faith estimate.

Private Pay Fees

Individuals: (Service Code 90837) 160 USD 50 minutes

Dyad/Couples: (Service code 90847) 185 USD -50 minutes

Poly group of 3 or more: (Service Code 90847) 220 USD -80 minutes

Payment is due at each session, via Ivy Pay.


If you would like a super-bill to submit to your insurance one can be provided for each session through Ivy Pay.

Holistic Spirit Psychotherapy does not directly take insurance.

However I partner with 3rd party processors which accept the following insurances.

Aetna, Optum, Cigna, United, Oxford, Oscar. 

If you are interested in billing directly to your insurance please inquire during the free 15 minute introductory call, you will be directed to 3rd party partners which Contract with Amy Ratkovich separately from Holistic Spirit Psychotherapy.

A Note for Kaiser Clients:  Kaiser does not allow for self referral, I partner with companies Kaiser can provide a referral to if their evaluation sees medical necessity in your case, I am listed on their company's websites, please inquire which ones to ask for a referral to in the free 15 minute introductory call.

Per most Insurance Policies, Insurance can only be billed for your treatment  if presenting issues meet the standards of medical necessity required for treatment. Including disruption in functioning in work, relationships or other important aspects of life functioning or if you are experiencing significant distress relating to symptoms of a qualifying diagnosis, you are always welcome to attend therapy for personal growth but at this time, insurances do not see this as including medical need.  For Growth Work you would be required to pay full fee out of pocket rates. 

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost 

Under the 2021 No Surprises Act, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical services, including psychotherapy.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency services. 

  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service. 

  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. 

  • Make sure to save a copy or take a picture of your Good Faith Estimate. 

For questions or more information about your right to a Good Faith Estimate, visit

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