Ellipses is a self-pay network of integrated care. We price transparently so you can make decisions with confidence, receiving care that isn’t dictated by insurance caps.
The truth is, insurance no longer covers the kind of care families actually need.
We chose a self-pay model so care isn’t rushed, capped, or dictated by a policy. This allows us to show up fully, integrate services seamlessly, and support your family as long as you need us.
Heal. Plan. Grow.
A Roadmap, Not Ongoing Management
Bringing Your Roadmap to Life With a Trusted Partner
Where Family Stabilization Happens
Comprehensive System Management
Therapy and Coaching are separate offerings, billed at $125 per hour.
Insurance coverage for mental health services has improved in recent decades. The Mental Health Parity Act requires that insurance plans cover mental health care at the same level as medical care, and the Affordable Care Act established mental health treatment as an essential benefit. In theory, that's meaningful progress, however, there is so much more that goes into a family's recovery, and insurance doesn't cover most of it.
There is no billing code for the person who holds your family's full picture, tracks your care plan across providers, and sees the bigger picture.
Out-of-network benefits exist in many plans, but accessing them requires navigating paperwork, submitting claims, and waiting on reimbursement.
Therapy helps you heal from past trauma, but insurance won't cover coaching. Coaching helps your family grow through life's challenges and come out of the other side closer and stronger..
Which is why the families who need it most are also the ones most likely to fall through the cracks. The work of holding everything together rarely shows up on an insurance statement, but it's the difference between coping and actually moving forward.
We're honest about the cost of our services because families deserve clarity on what they're actually comparing it to.
When most people start weighing private pay care, they're not just asking what Ellipses costs. They're trying to understand what care like this is worth relative to everything else available to them.
Care coordination, therapy, and health coaching each have their own market, pricing norms, and relationship with insurance. Most families dealing with a serious diagnosis will eventually need some version of all three.
Below is an honest look at how each area is typically priced, what insurance does and doesn't cover, and where lower-cost alternatives exist when they're the right fit.
Care coordination, therapy, and health coaching each have their own pricing norms. Here's an honest breakdown of what to expect.
Care coordination is the piece most families don't know to budget for until they're deep into a complex situation and realize how much time and energy the logistics are consuming. In traditional healthcare settings, a social worker or case manager may be partially covered by insurance for limited functions. But that coverage typically applies to narrow, episodic tasks within a single system, not the kind of ongoing, cross-provider planning and management that families navigating serious diagnoses or injuries actually need.
The moment the work crosses systems, such as coordinating between a neurologist, a rehabilitation facility, a home care agency, and an attorney, insurance stops covering it.
Independent patient advocates and care managers typically charge between $100 and $200 per hour, with ongoing monthly retainers running from $500 to $2,500 or more depending on case complexity.
What you're paying for is expertise, availability, and the capacity to hold your family's full picture over time rather than responding to individual episodes as they arise.
The Ellipses ApproachEllipses structures coordination into clear monthly plans with defined deliverables so families know exactly what they're getting and what it costs. There are no hourly surprises, no ambiguity about scope, and no situation where the work quietly expands.
In North Carolina, dedicated private care coordination is not widely available. Most families either manage logistics themselves or piece together support through hospital social workers and discharge planners who are working within a single system and cannot follow a family across providers. Ellipses fills that gap with a team that understands the provider landscape.
Coaching sits outside the insurance system entirely. There is no billing code for it, no network to navigate, and no reimbursement process to manage. That's not a limitation of the coaching model. It's a reflection of what coaching actually is: a practical, goal-oriented working relationship between you and a trained professional that doesn't fit neatly into a clinical category.
Private health and life coaching typically runs between $75 and $200 per session depending on the coach's background, the complexity of the work, and whether sessions are individual or group-based.
Coaches who specialize in chronic illness, neurological conditions, or caregiver support tend to sit at the higher end of that range because the work requires real knowledge of the conditions involved, not just general accountability frameworks. Health coaching is still an emerging category with limited supply.
Where the Value CompoundsEllipses offers coaching as part of an integrated local care model, which means your coach is working alongside people who know your community, your providers, and the specific resources available.
At Ellipses, coaching is coordinated with your broader care plan. Your coach knows what your therapist is working on and what your Care Coordinator is tracking. That integration is where the value compounds. A standalone coaching relationship can be useful. Coaching that's connected to everything else your family is managing is a different thing entirely.
It's a fair question, and the answer depends on more factors than most people expect.
Across the United States, therapy costs typically range from $100 to $200 per session, with providers in larger metro areas often charging $200 to $350 or more.
Therapists charge more or less depending on their credentials, years of experience, the type of therapy they provide, and where they practice. A doctoral-level clinician with specialized training in trauma or neurological conditions will generally charge more than an early-career master's-level therapist, and that difference reflects real differences in what they bring to the work.
For context, the average co-pay for a therapy session through insurance runs between $20 and $50, but that number only tells part of the story. Most insurance plans require you to meet a deductible first, and many families find that their deductible resets before they've made meaningful progress. Sessions covered on paper aren't always sessions covered in practice.
The Ellipses ApproachAt Ellipses, therapy is priced within our own model. You pay per session, you know the rate before you start, and your therapist's time is not capped by what an insurance company is willing to reimburse.
Wait times for in-network providers can run several weeks to a few months, which is a real consideration when someone is dealing with an acute situation and can't afford to be on a waitlist.
Lower-Cost Therapy Options Worth Knowing AboutEllipses is not the right fit for every family, and we'd rather tell you that clearly than have you go without support. If cost is the primary barrier to mental health care, there are real alternatives:
Community mental health clinics and nonprofit counseling centers offer low-cost therapy on a sliding scale, with some programs charging as little as $25 per session based on income.
University training clinics provide free therapy or very low cost services delivered by supervised graduate students.
Group therapy is often the most affordable option available, typically running $30 to $80 per session, and it can be genuinely effective for the right person and situation.
Employee Assistance Programs (EAP) through an employer are another good low-cost option. Often included are a limited number of free therapy sessions, usually between three and twelve per year. That's a reasonable starting point for someone dealing with adjustment or grief who doesn't yet know how much support they'll need.
We mention these not to compete with them, but because the goal is for people to get the support they need. If Ellipses is the right fit, we'll tell you why. If it's not, we'll help point you in the right direction.
Straightforward answers to the questions we hear most often about cost, coverage, and what our care team actually does.
The average cost of a therapy session in the United States falls between $100 and $200. Therapists charge more in major cities, where overhead for office space, continuing education, and administrative tasks is higher, and rates can reach $250 to $350 or more per session in markets like New York or Los Angeles.
Smaller towns and rural areas typically see lower rates, often between $80 and $150 per session.
Rarely. Most insurance plans cover some portion of mental health treatment, but there are almost always limits. Common restrictions include a requirement to meet your deductible first, limits on the number of sessions covered per year, and restricted networks that exclude many experienced therapists.
For families dealing with complex or chronic conditions, the gap between what insurance covers and what families actually need is often significant.
For many people, yes. When you pay out of pocket, you typically have access to a wider range of providers, more scheduling flexibility, and a therapist who isn't constrained by what an insurance company will reimburse.
Many therapists who work in private practice don't accept insurance precisely because it allows them to spend more time with each person and provide more personalized care. The tradeoff is a higher up-front cost per session, which is a real consideration and worth thinking through carefully.
A Care Coordinator is a trained professional who develops a holistic care plan (roadmap), identifies and recommends solutions, and manages the full scope of a patient's care logistics. That includes scheduling appointments and tracking referrals, identifying gaps in a care plan, and connecting families with the right resources.
Requirements vary by organization and setting. At Ellipses, Care Coordinators are trained professionals with backgrounds in health care, social services, or related fields. They work alongside licensed clinicians but are not themselves required to hold clinical licensure.
The combination of trained coordination and licensed clinical care, operating as a coordinated team under one plan, is the model Ellipses is built on.
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