Therapy Fees & Insurance

Costs are based on length of session. Typically sessions are 50-55 minutes in length. However, some sessions can be scheduled for 90-minutes if deemed necessary or beneficial.

Sessions with Kara Smith, LCMFT:

  • 55-minute session: $140
  • 90-minute session: $210

Sessions with Elizabeth Kamnikar, LCPC:

  • 55-minute session: $120
  • 90-minute session: $180

Urbana Marriage and Family Therapy Center accepts self-pay and all Carefirst Blue Cross Blue Shield plans at this time. Ms. Smith and Ms. Kamnikar can also provide the forms necessary for Out-of-Network reimbursement if your insurance plan has this benefit. Please feel free to ask if you have any questions about this process.

Considerations when using insurance:

When deciding whether or not to use your insurance plan for therapeutic services, please take into account:

  • Insurance companies require a diagnosis: When working on relationship concerns, a diagnosis is not always applicable and may seem to “blame” a member of the family. With relationship issues, problems generally arise from the dynamics between people and not necessarily due to a mental health diagnosis.  
  • Privacy: When you bill an insurance company they ask for a lot of personal information about you! We value your privacy and believe this is an essential part of the therapeutic relationship.
  • Value of services: People outside of the healthcare industry do not always realize that insurance companies decide how much the provider is paid and the amount we are paid varies widely from insurance company to insurance company! In order to provide each client with the attention needed, we keep caseloads reasonable and, with that, it means we cannot afford to take accept many insurance plans.

It’s All About Relationships!

Whether we’re talking romantic or familial, we have seen how anger, hurt, resentment, or behavioral struggles in children can impact the entire family. Meet with one of our therapists in our Urbana, Maryland office as a family, couple or on your own. We will explore personal and relational issues preventing you from leading a more fulfilling life. The office is conveniently located to serve clients from Frederick, Carroll, Howard, and Montgomery counties.

Are you ready to begin?