Your Investment in Wellness
Providing confidential, personalized, private-pay mental health therapy in Collegeville, Pennsylvania and online across Pennsylvania.
At coeo we believe real, lasting change takes creativity, curiosity, and individualized-approaches that insurance-based models rarely allow for. By choosing private pay, coeo can focus less on managing symptoms and more on helping resolve them.
Our Commitment to Effective, Sustainable Healing
Our goal is not to keep you in therapy forever. It's to help you do deep, intentional work that creates lasting change so you can thrive beyond the therapy room. Healing takes time, but it shouldn't be unnecessarily prolonged. We want you to make meaningful progress in a way that respects both your emotional journey and your financial investment.
coeo's therapists are trained, curious, and genuinely engaged in the work of helping. They take the time to get to know who you are as an individual while keeping the bigger picture in context, zooming in on your unique experience and zooming out to understand the systems and relationships you exist within. No one here is just their diagnosis.
Coping skills have their place. But anyone can hand you a toolbox full of them. Our goal is for you to leave therapy with a deeper understanding of yourself, so you know which tool to reach for, when to put them all down, and when to scrap the project entirely.
Why We Choose Not to Bill Insurance Directly
Health insurance has its benefits…absolutely, it sure does. But it can also limit the amount of time, type, and level of support you receive. At coeo, we believe that the best therapy happens when decisions about your mental health treatment are made by the people who actually know you. You know, like yourself, or your therapist, not by your insurance company’s new AI algorithm. Choosing to invest in yourself through private-pay therapy is a powerful step towards ensuring your treatment is personalized, private, and tailored specifically to your needs.
When therapists bill insurance, companies often dictate:
- How long your sessions can be
- How frequently you can meet
- What type of therapy can be provided
- Whether you need a formal diagnosis in your permanent medical record
Our private-pay model allows us to focus entirely on what serves your growth, not what satisfies insurance requirements.
Why Invest in Private-Pay Therapy?
When therapy is guided by connection and expertise instead of rules, your care becomes truly personalized, evolving as you do so the process fits you, not the other way around.
Totally Flexible, Personalized Care
Without session limits or diagnostic requirements, we design therapy that fits your actual needs. This may include longer sessions when deeper work is needed, shorter check-ins when life feels heavy but time is limited, or multi-day intensives for trauma and relational repair. This flexibility allows us to be creative with care, combining approaches, adjusting pacing, and designing experiences that are clinically sound and responsive to your goals.
You Are in Control
Insurance companies often dictate the number of sessions, type of therapy, and length of treatment they will cover. Our approach puts you in the driver’s seat. We work together to create a treatment plan that’s right for you, without any outside mandates or limitations.
Privacy & Respect
When you use insurance, your therapy requires a medical diagnosis that becomes part of your permanent health record. By paying privately, your sessions, records, and treatment details remain confidential. No diagnosis is required. No diagnosis follows you the rest of your insured-life.
Focus on Your Goals
Therapy is for growth, self-exploration, and healing, not just for treating a ‘disorder.’ Without the constraint of providing a diagnosis for insurance, we can focus entirely on your personal goals and well-being from day one.
Plus…you can still get reimbursed.
Using your Out-of-Network Benefits isn’t as hard as your insurance company wants you to think it is. We swear.
While we are an out-of-network provider and do not bill insurance companies directly, we make it easy for you to get reimbursed. Many of our clients with PPO, POS, or HDHP plans are pleasantly surprised to find out they can receive significant reimbursement (sometimes 50-80%) for their coeo therapy sessions.
Here’s how it works:
1. You pay for your session at the time of service. We accept all major credit cards, HSA/FSA payments, and checks.
2. We provide you with a monthly medical receipt, known as a ‘superbill.’
3. You submit this superbill directly to your insurance company.
4. Your insurance company sends you a reimbursement check in the mail.
To make it even simpler…
coeo also partnered with Mentaya to help you file your out-of-network claims in minutes, right from your phone. With Mentaya you can:
• Estimate your insurance reimbursement for therapy.
• Automatically file claims on your behalf, saving you time and effort.
• Track the progress of your claims so you can focus on your healing.
• Mentaya charges a 5% fee per claim but it’s risk-free; they guarantee claims are successfully submitted, or a full refund of their fees.
• Use the free tool below to see if you qualify for reimbursement.
Flexible Payment Options
We offer several ways to structure payment based on what works best for you.
Pay Per Session: Pay as you go for flexibility and control.
Session Packages: Pre-purchase sessions at a modest savings:
4-Session Package: Ideal for short-term goals
8-Session Package: Great for deeper work or transitions
Intensives: 3- or 5-day programs with flexible payment plans
Payment Plans for Intensives: We offer flexible payment plans for all intensives, allowing costs to be split into manageable installments before and after your sessions.
Affordable Therapy: Quality mental health care should be accessible to everyone. End of story. That’s why we offer an affordable therapy program connecting you with skilled, Masters-level therapy interns under the supervision of experienced clinicians. This allows us to provide compassionate, evidence-based care at a price that fits your budget. Learn more about affordable therapy →
