Fees & Services

The fee for my counseling services is $160 per hour. I accept check, cash or money order. Fees are due in full at the time of your session, unless we have made a different arrangement prior to your session.

Making Counseling Affordable

Cost may be an important factor for you in choosing a counselor, particularly if you are paying out of your own pocket. I encourage you to ask me questions or bring up any concerns you have about the cost of counseling. It is important both that you do not cause yourself undue financial stress by paying for counseling, and also that you feel you are receiving value for your investment.

I reserve a limited number of spaces in my practice for reduced fee clients. When we speak to set up your initial appointment, you can let me know if you are interested in this. Please note that I only finalize these arrangements at an in-person session, not on the telephone or via email.

There are other ways to make counseling more affordable for you. Sometimes counseling can be made more affordable by spacing out the frequency of sessions (e.g- every other week instead of every week), or interspersing shorter sessions (e.g.- half hour) with longer ones.

You may also be able to access other sources of reimbursement for your counseling. For example, you may be able to use pre-tax funds from a Health Savings Account to pay for your counseling. Depending on your tax bracket this could reduce your cost from 15%-25% or more. (If you are planning to get counseling it can be helpful to keep this in mind when establishing your HSA contribution amount for the year.)

For some people, your accountant can also advise you on whether counseling may be deductible from your taxes for other reasons. This may especially be the case if you are entering counseling to address work or business related problems.


For your protection and confidentiality I recommend that, if possible, you pay for your counseling without using insurance. Insurance companies require me to disclose highly personal information about you. The confidentiality and privacy of this information cannot be guaranteed.

If you choose to use your insurance, most insurance plans that provide out-of-network benefits will provide coverage for my services. I can provide you with a monthly invoice to submit to your insurance company for reimbursement.

Please note that I do not participate in any managed care panels. If you intend to use your insurance for therapy and coverage is critically important to you, you should confirm your coverage for my services prior to our first meeting.

Cancellation Policy

I ask for 24-hour advance notice of cancellation, as I have reserved your time specifically for you. This gives me an opportunity to fill the time, if possible, and to plan my schedule.

Sometimes I will be able to offer you a make-up session the same week you cancelled, in which case there is no charge for the cancelled session. The fee for sessions canceled or missed with less than 24 hour notice is the full fee for the session.


I offer a variety of psychotherapy and counseling services customized to meet your needs, as follows:

  • Individual counseling.
  • Counseling “Intensives”: Two hours focused on a specific need or circumstance.
  • Couples counseling.
  • Online sessions (when illness, travel, etc. make it difficult to attend in person).

The frequency of your visits usually determined by a discussion that takes place during our initial meeting. In this meeting we will talk about why you are seeking counseling and what you hope to gain from it. Typically, people arrange to meet every week or every other week. Other options may include meeting more or less frequently, or sessions of a greater or lesser length.

Workshops and Consultation

I offer workshops on a variety of subjects, including stress management, self-esteem, counter-transference (for professionals) and adoption issues. I enjoy teaching the principles of healing to others.

Some of the workshops and seminars I have presented/co-presented are as follows:

  • Dealing with Difficult People
  • Stress Reduction and Relaxation
  • Self-Esteem: Believing Your Self Worth
  • The Spirited Body: Embodying Your Spirit Through Life Transitions
  • Exploring the Experience of Being Adopted
  • Lawyers and Emotions
  • Work/Life Balance
  • Countertransference: Using Your Body Reactions to Understand Your Client (For mental health professionals)

Contact me for me for a free 15 minute phone consultation or to schedule an appointment.



Karen Caffrey, LPC, JD, Counseling and Psychotherapy in West Hartford, CT 06107