Why Private Pay
In-person in East Nashville · Online across Tennessee & Virginia
If you're considering starting therapy with me, here's how my practice works — and why I believe it's the best foundation for the work we'll do together.
When new clients come on a private pay basis, something important is established from the start — the work is entirely yours. No third party involved. No administrative layer between us. Just you, the work, and where you want to go.
Here's what that makes possible.
No diagnosis required to begin.
We start with you, not a code. Whatever brings you in — anxiety, relationship patterns, a season of transition, a quiet sense that something needs to shift — is reason enough.
Complete confidentiality.
Your records stay between us. Nothing goes to an insurance company, nothing enters your medical record beyond what you choose.
Full clinical freedom.
We work on what matters to you, at the pace that's right for you. Not what's authorized for a set number of sessions. Not what fits a treatment category. What's actually needed.
Access to everything I offer.
Individual therapy, relationship counseling, premarital work, group therapy — none of these require a diagnosis or an insurance approval. They're simply available, because you need them.
The relationship comes first.
The therapeutic relationship is the foundation of this work. Private pay removes the administrative layer between us and lets us focus entirely on what matters — you, the work, and where you want to go.
50 minute sessions are $175. That's a real number, and I don't want to minimize it.
What I can tell you is that for many people the actual out-of-pocket cost is lower than they expect — and there are a few reasons for that.
Out-of-network reimbursement.
If you have a PPO plan, you may be able to submit a superbill for out-of-network reimbursement. A superbill is available upon request.
That said, Tim Jackson Counseling does not assign a formal diagnosis as part of the work here — and most insurance reimbursement requires one. Some plans will still consider a claim without a diagnostic code. Most won't. We can't know in advance how your plan will respond, and we don't want you to make a financial decision based on reimbursement you may not receive.
If potential reimbursement is part of your thinking, the most honest advice is this: call your insurance provider first, ask specifically whether they reimburse out-of-network mental health claims without a diagnosis code, and make your decision from there.
HSA and FSA funds.
Individual therapy qualifies as a medical expense under most Health Savings Account and Flexible Spending Account plans. If you have one, you can use it here.
It's an investment — in the most literal sense.
Most people find that what shifts in therapy ripples outward into every area of their life. Their relationships. Their work. The way they show up for the people they love. That's not a small thing. And it's not something an authorization can manufacture.
I don't want cost to be the reason you don't reach out.
If $175 per session feels genuinely out of reach, let's have that conversation before you decide not to contact me. Between out-of-network reimbursement, HSA and FSA options, and other possibilities, the actual cost is often more manageable than it first appears.
And if after that conversation it's still not the right financial fit, I'll do my best to connect you with a trusted colleague whose fee works better for where you are right now. Getting you the right support matters more than it being me.
You've read this far. That probably means something landed.
If you're ready to take the next step, I'd be glad to hear from you. The typical wait is about two weeks.