Frequently Asked Questions
Whether you’re new to therapy or just new to working with me, it’s normal to have questions. Below, you’ll find answers about session logistics, payment, scheduling, and what to expect. I provide private pay therapy in Indianapolis and virtual care across Indiana and Tennessee, with a focus on inclusive, affirming, and results-driven support.
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No. I am a private pay, out-of-network therapist. This means I do not bill insurance directly, but I can provide you with a monthly superbill—a detailed receipt you can submit to your insurance provider to request possible reimbursement. Clients are responsible for payment at the time of service.
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I understand that not accepting insurance can be a barrier for some — and I don’t take that lightly. The reality is that working with insurance often means compromising on the length, style, and even goals of therapy. Insurance companies may require a mental health diagnosis, limit the number of sessions, or deny coverage based on criteria that don’t reflect your lived experience.
Choosing not to work with insurance allows me to offer care that’s individualized, private, and aligned with your actual needs — not dictated by a third party. It also helps protect your confidentiality and gives us the flexibility to focus on what matters most to you, at a pace that feels right.
While I can’t solve the systemic barriers in our healthcare system, I also believe the weight of those broken systems shouldn’t fall entirely on therapists — especially those of us providing affirming, equity-focused care. I do my best to increase access by offering limited sliding scale spots and providing superbills for potential out-of-network reimbursement.
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Session rates vary based on type and length. An 80-minute intake session is $270, standard 50-minute individual sessions are $175, and couples sessions are $225. You can view full details on my session rates page.
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I accept all major credit and debit cards, including HSA/FSA cards. Your card on file will be charged after each session unless you arrange another payment method in advance.
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I offer in-person therapy at Connected in Community, near 71st & Binford Blvd. in Indianapolis, and virtual therapy to clients anywhere in Indiana or Tennessee.
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New clients begin with an 80-minute intake session, which can be scheduled directly online. After that, we’ll schedule future sessions based on your goals and availability.
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I use a combination of EMDR, Acceptance and Commitment Therapy (ACT), and solution-focused approaches. My therapy is inclusive and trauma-informed—rooted in both compassion and accountability.
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After your initial intake session, most clients attend therapy weekly or biweekly, depending on individual needs and goals. To be considered an active client and maintain your spot, you must attend at least one session every three months.
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I ask for at least 24 hours’ notice for cancellations. Late cancellations and no-shows may be charged the full session fee.
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Yes. I offer free appointments to individuals seeking WPATH-compliant letters for gender-affirming medical care. These are scheduled virtually and written during the session.
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Referring is simple. Just direct your clients to charlayearwood.com/schedule, where they can use the online scheduler to book the appointment that best matches their needs. New clients should choose the 80-minute intake session to begin.
