How Much Does Therapy Cost?

Have you ever felt overwhelmed just trying to figure out how much therapy actually costs?

You’ve probably googled, clicked around, and ended up even more confused, stuck between vague answers, insurance terms you don’t fully understand, and conflicting advice from strangers online. It’s frustrating, especially when you’re already carrying so much emotionally.

You’re not alone, and you don’t deserve more headaches. You deserve real, clear answers.

At Vibrantly Live in Brownsburg, Indiana, we’ve walked alongside women for over two decades.  Women trying to hold it all together while quietly feeling like they’re falling apart inside. We understand how much courage it takes to even consider therapy. And we know how quickly that courage can fade when cost feels like one more big unknown.

That’s exactly why we’re here. At Vibrantly Live, we serve women and families through a wide range of counseling options from individual therapy and family counseling, to couples work, trauma support, and faith-based Christian counseling.

In this article, we’ll break down everything you need to know about the cost of therapy, without the jargon or fluff.

• What therapy actually costs at a specialty, self-pay practice like Vibrantly Live
• What affects those costs
• How our prices compare to insurance-based clinics
• What you get for your investment (because yes—it is an investment in yourself)
• Options if you’re not sure you can afford it

Let’s start with the question most women ask first.

Therapy Costs in Brownsburg, IN:  What You Can Expect to Pay?

One of the first questions women ask when considering therapy is, ‘How much will it cost, and will it be worth it?’ It’s an honest, important question, and you deserve a clear answer.

In Brownsburg and the greater Indianapolis area, most therapists charge per session. Depending on their credentials and insurance arrangements, you can expect anywhere from $125 to $250 per 50-minute session.

Because each client and situation is unique (whether you’re navigating personal growth, marriage challenges, parenting stress, complex trauma, or life transitions), we’ve designed our pricing model to reflect the personalized nature of your care.

Unlike most therapy practices that charge by the session, we take a different approach.

At Vibrantly Live, we don’t sell therapy as a one-off service. We offer personalized packages designed to support your growth over time, because meaningful change doesn’t happen in a single 50-minute hour. Our work is built around deep connection, intentional rhythm, and a therapeutic relationship that adapts to your real life.

Our clients don’t just come in to “talk it out.” They come to do transformative work, and we’ve structured our offerings to reflect that.

All of our packages include:

• A set number of meetings (these can be in-person, or virtual)
• Personalized email contact between sessions
• Notes from sessions to refer back to whenever you choose.
• Curated growth resources to support your work in between sessions
• A highly trained and experienced therapist who cares deeply about you and helping you achieve your goals.

Our package costs range from $660 to $2100, depending on the type of service, level of support, and the number of sessions that best meet your needs.

Most women invest in a package that fits their season of life, goals, and available time. Some clients meet regularly for a season of deeper work. Others schedule periodic check-ins over time. We match your rhythm to your goals.

You’re not buying therapy. You’re investing in change. In clarity. In becoming the woman you’re meant to be. We’ve designed everything about Vibrantly Live to support that.

We’ll help you figure out what rhythm and investment make sense for your life right now. And if we’re not the right fit, we’ll point you toward someone who is.

Susan came to Vibrantly Live feeling emotionally overwhelmed and disconnected. Through her healing journey, she not only found personal calm but also experienced deeper connection with her husband and spiritual growth.

Why Vibrantly Live Offers Self-Pay Therapy (and How That Benefits You)

We get this question all the time: “Do you take insurance?” The short answer: No, and it’s a choice.

At Vibrantly Live, we are an intentionally self-pay, out-of-network practice. That means:

• You pay us directly (cash, check, card, HSA)
• We give you a special receipt (a “superbill”) if you want to seek reimbursement

Why do we choose to do this?  It benefits you in a lot of ways

1. Full Privacy & Control

When you pay out of pocket, no mental health diagnosis is required. There’s no insurance company looking over your therapy notes, and your information doesn’t become part of your permanent medical record. This is especially important for women who work in sensitive fields or simply value privacy.

2. More Personalized Care

As self-pay therapists, we keep smaller caseloads, which allows us to show up more focused, prepared, and present in session with you. You’re not one of 30 clients that week. We have the energy and space to truly see you.

3. Freedom & Flexibility

You decide how often to come and how long you stay in therapy, not your insurance company. Whether you want to meet weekly, take a break, or work on issues that aren’t covered by diagnosis codes (like personal growth or decision-making), you have total autonomy.

4. Higher Specialization

We are specialists.  As a result, we bring advanced training to the table. You’re paying for expertise, not just time.

What Affects the Cost of Therapy at Vibrantly Live?

Therapy isn’t a one-size-fits-all service, and pricing reflects that. At our practice, the cost of therapy is influenced by the type of service being received.

We offer a range of specialty services, including therapy for women, couples counseling, family therapy (including child and teen support), trauma-focused care, Enneagram coaching for personal growth, and Christian counseling for clients who desire to integrate their faith into the counseling process.

• Couples counseling tends to cost more due to the complexity of working with two people at one time.
• Family therapy tends to require lengthier packages due to needing to work with children at their own pace.
• Complex trauma-focused services can require lengthier packages due to needing to pace the work appropriately to support the client as she feels safe to address her trauma.

Another cost variable is whether clients choose to continue work beyond their initial package. Vibrantly Live clients always have the option of continuing work beyond their first package.

We are dedicated to providing specialty care. We only work with women and their loved ones. This requires continuous learning on the newest research and advanced training to serve them at the highest level.

We are also committed to a very personalized approach. We offer specialty-level care, not a high-turnover, high-volume model. You won’t just be a number to us. We care deeply about you, your family, and your success.

Vibrantly Live Pricing vs. Insurance Based Clinics:  How We Compare

Yes, you can find lower-cost options through insurance-based clinics, or nonprofits. But there are tradeoffs:

• A mental health diagnosis is required.  This will  permanently remain in your medical record.
• Insurance may limit how many sessions you can attend
• You may have less choice in your therapist
• You may be placed on a waitlist or see a less experienced provider

In contrast, our clients value:

• Immediate scheduling (often within a week)
• The opportunity to have a phone consultation with one of our therapists before ever scheduling an appointment.
• The choice of therapist who feels right for them
• No insurance hoops
• Depth of support, not crisis-only care

For Janet, years of anxiety and panic attacks left her exhausted. Working with Vibrantly Live gave her the tools to manage anxiety, strengthen her relationships, and experience personal and spiritual transformation.

Are There Hidden Fees at Vibrantly Live?  Full Transparency on Therapy Costs

We believe in radical transparency. So here it is:

• Phone consultations: Free (30 minute Get Acquainted Call)
• Missed sessions: If you cancel with less than 24 hours’ notice, or miss a scheduled appointment, that will be counted as one of the sessions in your package.

And that’s it. No surprise bills, no sneaky admin fees.

 How Therapy Packages Work at  Vibrantly Live?

We’ve found that approaching therapy through packages helps clients stay focused, intentional, and invested in their personal work. It’s not about locking you into a plan.  It’s about giving you a clear, supportive framework for meaningful change.

Clarity is one of the first steps toward healing. That’s why we’ve designed our process to be simple, transparent, and tailored to you.

It All Starts with a 30-Minute Consultation

Before you commit to anything, you’ll have a complimentary 30-minute phone consultation with one of our therapists. This isn’t a sales call.  It’s a conversation.

During that time, you’ll have the chance to share what’s bringing you to counseling and what you hope to accomplish. We’ll also help you get a feel for whether your therapist is the right fit. That connection matters. You need to feel safe, heard, and supported.

At the end of the consultation, if you both agree that working together feels like a good fit, your therapist will recommend a package that aligns with the goals you’ve discussed.

Packages Tailored to Your Goals

Every client’s journey is different, so our packages are designed to offer flexibility and focus. You can quickly access all the details for each option on our Services page, so you’ll know exactly what’s included before you get started.

Your therapist will work with you to determine the pacing that fits your schedule, your goals, and your season of life. Some clients prefer weekly sessions, while others space them out to allow time for reflection and practice between appointments. The structure is designed to serve you, not the other way around.

Flexibility to Fit Life

We understand that life happens. That’s why our only expiration policy is simple: as long as no more than two years go by between sessions, your package remains active. This gives you the freedom to pause if needed and return when you’re ready.

Ongoing Support Beyond Your First Package

Healing and growth don’t always happen on a perfect timeline. Once you complete your initial package, you’re welcome to purchase additional “Maintenance” packages. These can be used to continue working on your original goals, explore new areas of growth, or simply schedule occasional check-ins for accountability and support.

You and your therapist will decide together what makes sense for where you are, and where you want to go.

At Vibrantly Live, your counseling journey belongs to you. We’re here to walk with you, offering structure and support every step of the way.

Is Therapy at Vibrantly Live Worth the Cost? What Our Clients Gain

Here’s the heart of it: therapy isn’t just a line item on your budget.  It’s an investment in your emotional health, your relationships, and your peace of mind.

Our clients often come to us tired of holding it together. They leave with more clarity, energy, and a renewed sense of who they are.

You’re not paying just for time in the room. You’re paying for:

• A highly trained, emotionally present therapist
• A safe space to process hard things
• Tools to make real-life changes that stick

Vicki entered work with Vibrantly Live feeling lost and without direction. Through her journey, she found clarity, purpose, and renewed joy in life.

How to Budget for Therapy at Vibrantly Live (Even When Paying Out-of-Pocket)

We know that investing in therapy can feel like a big step, emotionally and financially. But the good news is: you have more options than you might realize to make therapy work within your current season of life.

Here are a few ways many of our clients successfully budget for counseling:

Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA)

Many clients use tax-free funds set aside in a Health Savings Account (HSA), as outlined by Healthcare.gov, or a Flexible Spending Account (FSA), to pay for therapy sessions. These accounts allow you to use pre-tax dollars, which can make therapy more affordable.

Insurance Reimbursement (Out-of-Network Benefits)

Even though Vibrantly Live is a self-pay practice, some insurance plans offer out-of-network benefits. We’re happy to provide a superbill (a special receipt) you can submit to your insurance company for potential partial reimbursement. Organizations like NAMI explain how out-of-network benefits can sometimes help cover mental health care.

Adjust Your Session Frequency

Therapy doesn’t always have to be weekly. Many of our clients meet bi-weekly, monthly, or space sessions out to fit both their financial budget and their emotional pacing. We’ll work with you to find a rhythm that feels manageable.

Transparent Package Pricing

Our package model is designed to give you full clarity on cost upfront, with no hidden fees. You’ll always know exactly what you’re investing in, and you’ll have the flexibility to continue, pause, or space sessions as needed.

What If Vibrantly Live’s Therapy Packages Don’t Fit Your Budget?

We will never shame you for being price-conscious. If our rates don’t work for your budget, we can:

• Recommend lower-cost practices in the area
• Help you find local support groups or community-based programs

The first step is simple and free: a 30-minute call with a therapist.

This isn’t a sales pitch. It’s a conversation to understand what you want, answer your questions, and help you decide if we’re the right fit.

Here’s how to book:

• Put in a request here.
• Our Client Happiness Specialist, Jill, will contact you to find a time that works for you.
• We’ll jump on a call. No pressure, no obligation.

Complimentary
Phone Consultation

The Bottom Line on Vibrantly Live Therapy Costs

We know how vulnerable it can feel to even think about starting therapy. The cost, the time, the unknowns, they’re real concerns, and they often keep women stuck longer than they want to be.

And whether you’re seeking support as an individual, as a couple, as a parent navigating family stress, or someone ready to process complex trauma or strengthen your faith, we’re here to walk that journey with you.

That’s exactly why we believe in transparency, flexibility, and truly personalized care. Therapy at Vibrantly Live isn’t about one more thing to manage.  It’s about giving you space to breathe, reflect, and grow into the woman you’re meant to be.

You’ve done the research. You’ve gathered the information. Now, when you’re ready, we’re here to walk with you. Start with a simple, free consultation call. No pressure. Just a conversation. And together, we’ll explore what healing could look like for you.