Payment options

Flexible financing with CareCredit

If cost is the reason you haven’t started treatment, CareCredit is one way to spread the expense over time. It is entirely optional, and you are never required to use it.

Prequalifying has no impact on your credit score.

How it works

A health and wellness credit card

The CareCredit card gives you a convenient, flexible way to pay for care for the whole family, including pets.

Promotional financing

Everyday promotional financing is available on purchases of $200 or more, letting you pay over time with convenient monthly payments rather than all at once.

$200 minimum purchase

Check without risk

You can see whether you prequalify without any impact to your credit score. Prequalifying is not the same as applying, so you can look into it before deciding anything.

No credit score impact

Use it beyond therapy

CareCredit is accepted at many health, wellness, dental, vision, and veterinary providers, so the card is not limited to your work with me.

Widely accepted

Review the terms first

Interest rates, repayment conditions, and promotional periods are set by CareCredit, not by this practice. Read them directly with the provider before you enroll.

Terms set by CareCredit

Subject to credit approval. Minimum monthly payments required. See carecredit.com for details.

Our commitment

Ethical use of CareCredit financing

Therapy Haven and Consulting LLC is committed to providing ethical, transparent, and client-centered care. In accordance with the ACA Code of Ethics, we prioritize client autonomy, informed consent, and financial transparency. Offering CareCredit as a financing option is intended solely to increase access to counseling services and reduce financial barriers, not to encourage unnecessary services or create financial harm.

Clients are never required to use CareCredit and are informed of all available payment options prior to initiating services. We clearly disclose service fees, billing practices, and potential financial obligations in advance, including providing a Good Faith Estimate as required under the No Surprises Act for self-pay and uninsured clients.

We do not receive incentives for promoting third-party financing, and clinical recommendations are made independently of payment method. Clients are encouraged to review all CareCredit terms, interest rates, and repayment conditions directly with the financing provider before enrolling.

Our goal is to uphold ethical practice, protect client welfare, and support informed financial decision-making while ensuring access to high-quality mental health care.

Before you finance

Other ways to pay

CareCredit is one option among several. Many clients find one of these covers their care without financing at all.

Insurance

  • In-network with Blue Cross Blue Shield and Aetna
  • Out-of-network benefits supported through Thrizer, which can reduce what you pay up front

Self-pay

  • Transparent session rates published in advance
  • A Good Faith Estimate provided before services begin

See full fees and payment options

Questions about cost

Let’s talk about what works for you

If you are unsure which payment route makes sense, reach out before you apply for anything. I am glad to walk through the options with you first.

See if you prequalify

Checking takes a few minutes and has no impact on your credit score.

Go to CareCredit

Subject to credit approval. Minimum monthly payments required. Therapy Haven and Consulting LLC receives no incentive for referrals to CareCredit.