Click here to get help now!

Rates & Payments

low cost counseling

How much is your happiness worth to you?

How much would you spend to save your marriage? Your family? Your kids?

What are you willing to pay to set your life straight?

There aren’t easy questions to answer. But most people would be willing to spend a significant amount of money to solve the most difficult and painful problems in their life.

We’re probably talking about a few hundred dollars a month. That might be pretty significant for your situation. Is it more significant than this problem you are trying to fix?

We understand that you don’t want to throw your money away. We understand it’s a hard decision. We also understand how much people want their relationships, their families, their mental health. We’ll help you get there.

On the fence? Call us today for a free consultation!


Here are the rates for a session with our various providers. A session lasts 45-50 minutes.

We do not accept insurance. (Why not?) We do provide you with the help you need to achieve the happiness you’re looking for!

  • Raffi Bilek – $180
  • Caitlin Hill – $160
  • Susie Lieman – $160
  • Abbie Taylor – $130
  • Morgan Russo – $130
  • Felicitas Brugo – $120
  • Lucia Campos – $120

Our rates are in line with expected costs suggested by FAIR Health.

For a reference point, see the below graph, provided by, showing average cost for a counseling session in Baltimore.



Cash, check and all major credit cards (including HSA cards) are accepted for payment. Digital payments can also be made via PayPal or Google. To make a payment with your credit card, click Pay Now. You’ll be taken to a secure website where you can enter your credit card information. (If you are looking to begin services with us, please go to first)

Advance payments will be refunded in full for appointments cancelled 24 hours before the start of the appointment.

Pay Now

After using any of the above services to pay your fees, that service may send you receipts for payment by email or text message. These receipts will include our business name, and would indicate that you have paid for a therapy session. It is possible the receipt may be sent automatically, without first asking if you wish to receive the receipt. We are unable to control this in many cases, and we may not be able to control which email address or phone number your receipt is sent to.  Please consider which e-mail address or phone numbers you are using and who may have access to them..

Cancellation Policy

Clients are required to cancel at least 24 hours before the start of their appointment.  Clients who cancel within 24 hours of the appointment or do not show up as scheduled are required to pay the full session fee.


We do not work with insurance companies directly. Our services can be billed to most insurance carriers as an out-of-network provider. This means that you would pay us directly then send an invoice to your insurance company for reimbursement.

Why don’t you take insurance?

We understand that many people have health insurance and want to use it to pay for their treatment. There are a number of reasons why not using health insurance to pay for mental health treatment may is of benefit to our clients.

  1. In order to bill insurance, we have to provide them with a mental health diagnosis – we have to tell them you are mentally ill. Not everyone who seeks help from a therapist or coach is mentally ill! Many of our clients are struggling with relationship issues, personal goals, and other situations that are normal and understandable. Creating a diagnosis for you and claiming that you have a mental illness when you do not is neither helpful nor ethical.
  2. Insurance companies generally refuse to pay at all for couples counseling or family therapy, since there is no mental illness being treated. (See here for more information: The Deal with Insurance and Marriage Counseling.) (Note that if you’ve had a therapist bill insurance for couples counseling in the past, they’ve given you a mental health diagnosis, whether or not they told you about it.)
  3. Having a mental health diagnosis in your medical files can have undesirable repercussions. For example, insurance companies are able to see that and may raise their rates for things like life insurance, health insurance, etc. if you seek a quote. If you have or apply for government clearance, that information is open to them as well. If you are using insurance to pay for therapy, your diagnosis and possibly even session notes are in the control of the insurance company, not yours or ours. They will determine who gets access to those records.
  4. Using insurance to pay for treatment means that someone else has access to your treatment records, even to the point of reading session notes recorded by your provider. Although an employee of a health insurance company is of course prohibited from discussing what they read, for many people the very fact that someone else is reading such private information about them is very uncomfortable!
  5. If you go through insurance to pay for treatment, they get to decide how long and how many sessions you can have, and sometimes even what treatment we have to provide you with. By not being beholden to the insurance company, we are able to provide the treatment that we as experts in mental health and human relationships, in collaboration with you, determine is necessary.
Out-of-network reimbursement

Every insurance plan is different – you will need to find out whether your insurance will pay for you to see an out-of-network provider (us). Specifically, you should find out:

  • Whether you have out-of-network benefits. If you do, this means your insurance will pay for you to see a therapist who is not in their network of healthcare providers.
  • Whether they will reimburse the full amount or only a percentage.
  • Whether you have a deductible. If you do, this means you will have to pay out of pocket until you have paid the amount of the deductible, and only then will your insurance carrier pay for your visits. (For example, if your deductible is $1000, you will have to pay our fee yourself until you’ve paid out $1000 before your insurance will start paying.)
  • Whether there is a limit to how many sessions your insurance carrier will pay for.
  • Whether you will have to pay a co-pay (a fixed amount every time you visit, for example, $20) or co-insurance (a percentage of the fee for every visit, for example, 40%).
  • Whether you need a referral from your primary care physician.

Please note that in all cases payment is due at the end of your session.  If you wish to seek reimbursement from your insurance company we will be happy to provide an invoice (sometimes known as a “superbill”) you can send them so that they can reimburse you.  Please feel free to contact us if you need further assistance on this topic.


Speak With a Specialist and
Schedule a Free consultation Now!

Free 20-minute consultation! 443-598-BTC1 (2821)Call Or Text Us Now

Our Testimonials

First slide

Raffi made me enjoy going to therapy. I have learned to talk through issues that seemed impossible and I feel so much better about the communication in my relationship now.

Tyson V.
First slide

Highly professional but down to earth. Both my husband and I felt completely understood and valued; something couples often fear simply cannot be achieved. I’m sure we’ll return we need a “tune-up”!

First slide

I will always be grateful to Raffi for helping me through a very challenging time in my life. Within a few minutes of our first meeting, I was comfortable talking to him. I would highly recommend Raffi to anyone.

Andrew K. Stein
First slide

I met Caitlin about a year and a half ago. I automatically felt comfortable with her. She has a warm disposition and so friendly. She really made an effort to get to know me.

Chavi Shpilsky
First slide

Raffi is insightful, intuitive, experienced, and has a sense of humor.  I would recommend Raffi to a friend or relative without qualm.

Channah C.
First slide

Caitlin is very professional–I found her organized, attentive and thorough. She made herself available when I had to reschedule sessions and she would follow up with me on her own time if she knew I was going through a challenging experience. She is one of the most top-quality people I have ever met.

Amanda Rosner
First slide

In such a short time, you worked wonders! One or both of us may return in the future but please know we’re both indebted to you. We’re back to cherishing our time with one another and back to looking forward to a long life as husband and wife.

Lisa & Tim
First slide

Raffi is extremely intelligent, insightful, trustworthy and pragmatic. I recommend Raffi without hesitation or reservation. He has a serious goal-focus balanced with a great sense of humor. Raffi is a tremendous, vital person to turn to.

Chanan Siris
First slide

I’ve known the people behind the Baltimore Therapy Center for over six years. I’ve found them to be kind, honest, and truly cared about what’s best for me. I’d come in just to visit if I lived nearby.

Yakov Okshtein
First slide

Raffi is a great person to help you get through your challenges in life. He is attentive, listens, and genuinely cares about his patients. Since I have been going to see him I have become less stressed.

First slide

Raffi was very welcoming and easy to talk to.  My boyfriend and I saw him for several months and found that he was able to relate to each of us and help us to work together. I would definitely recommend him to any of my friends or family

First slide

Raffi was extremely helpful. I can’t believe how many problems he helped me solve – even ones that l have been dealing with for years!

First slide

I’ve worked with Raffi for six years, and from the beginning, he’s been VERY understanding of my unique situation and has been unbelievable helpful in guiding me to where I’ve gotten to, going above and beyond any expectations I had. I honestly can’t thank him enough.

First slide

Raffi is so easy to talk to. He makes you see things clearly. Almost immediately I was able to change things that were bothering me. He keeps conversations light and sometimes funny.  He’s a great guy and I recommend him to EVERYONE!

First slide

Raffi Bilek is a phenomenal resource. He provides meaningful feedback and direction that clearly reflects my unique situation. His comments are wise, productive, and well thought-out. His humor also helps me feel comfortable and makes him relatable.

Jeremy R.
First slide

Thank you so much for all of your help and guidance, especially tonight. Both my wife and I were impressed and grateful for your willingness to work with us despite running a significant amount of time over. You are genuine in your demeanor and sincere with your advice.

John S.
First slide

I cannot speak highly enough of Raffi. In just a couple of sessions, Raffi has already began to successfully impact our marriage. Both my wife and I continue to be impressed with him and our progress each week.

Mark M.
First slide

Caitlin has been a mentor and guiding force for me over the past 10 years. Despite her very busy schedule, she has always made herself available to help when needed. Caitlin is a very genuine, very caring person, and has a tremendous amount to offer her clients.

Naomi S.
First slide

I am so thankful to have found Raffi. I feel so comfortable and confident when speaking with him. From small issues to major life decisions I have benefitted from his warmth and genuine care. I can assure you that Raffi will be an invaluable asset to your life.

Danielle Kippur
First slide

Raffi is a wonderful therapist. He’s understanding, warm, and thoughtful. He does not shy away from difficult or sensitive topics. I highly recommend his practice.

Kim Wise
First slide

My boyfriend and I see Raffi and it was the best decision we ever made. It is hard to gather the right words to describe him and how much he has helped us and our relationship.

Summer H.
First slide

Raffi, was professional, insightful, and helped us.

Harry S.
First slide

Caitlin is so special. She is an excellent listener and offers valuable and practical advice for improving life circumstances. I would highly recommend her to anyone looking to grow and improve their life situation. Thank you!

Devorah Mattes