Good Faith Estimate (GFE)

Understanding the Cost of Therapy

Under the No Surprises Act, clients who are uninsured or paying for services out of pocket are entitled to a Good Faith Estimate (GFE) for the cost of services. This estimate provides an overview of the expected charges for therapy before services begin.

The GFE includes an outline of potential costs based on the type of service, frequency of sessions, and other relevant factors. While the estimate is designed to give you a realistic understanding of costs, actual fees may vary depending on your needs or if your care plan changes.

What Is the No Surprises Act?

The No Surprises Act is a federal law intended to protect clients from unexpected medical bills. As of January 1, 2022, healthcare providers — including mental health professionals — must offer a Good Faith Estimate to clients who self-pay or are not planning to use insurance for services.

If your final bill ends up being $400 or more above the estimated charges listed in your GFE, you have the right to dispute those charges through a patient-provider dispute resolution process. This law is designed to support greater financial transparency in healthcare.

Sample Therapy Cost Estimates

You will receive a personalized GFE after scheduling your initial consultation. If you’d like a copy in advance, please email tsuki@niutherapy.com.

Standard Rate: $190 per session

  • Weekly sessions (48/year):

    • 6 months: $190 × 24 = $4,560

    • 12 months: $190 × 48 = $9,120

  • Bi-weekly sessions (24/year):

    • 6 months: $190 × 12 = $2,280

    • 12 months: $190 × 24 = $4,560

Sliding Scale Tier 2: $125 per session

  • Weekly sessions:

    • 6 months: $125 × 24 = $3,000

    • 12 months: $125 × 48 = $6,000

  • Bi-weekly sessions:

    • 6 months: $125 × 12 = $1,500

    • 12 months: $125 × 24 = $3,000

Sliding Scale Tier 1: $50 per session

  • Weekly sessions:

    • 6 months: $50 × 24 = $1,200

    • 12 months: $50 × 48 = $2,400

  • Bi-weekly sessions:

    • 6 months: $50 × 12 = $600

    • 12 months: $50 × 24 = $1,200

These calculations assume an average of 48 weeks of sessions per year, accounting for holidays and time off.

Disclaimers

A Good Faith Estimate is not a contract and does not require you to obtain services.

The actual services you receive may differ based on your progress, needs, or changes in your care plan.

If your final charges are $400 or more above your GFE, you can initiate a dispute resolution process with the U.S. Department of Health & Human Services.

Learn more at www.cms.gov/nosurprises