• Holistic Psychotherapy in Oakland, CA.

    Contact to schedule a free 30 minute consultation at: 925-326-7974 or jennifer.twar.mft@gmail.com

  • Rates & Insurance

  • Rates

    I charge $150 per session.  For those who are students or in financial hardship, I provide a sliding scale.  We can discuss the rate further during our phone consultation.


    Cash, check and all major credit cards are accepted for payment.

    Cancellation Policy

    If you do not show up for your scheduled therapy appointment, and you have not given notice at least 24 hours in advance, you will be required to pay the full cost of the session.


    I do not take insurance for my services.  There are many reasons why I do not take insurance:

    1. When a client uses health insurance to pay for therapy, the therapist is required to give a mental health diagnosis.  Often times, the diagnosis must have a certain level of severity in order for the services to qualify for insurance coverage.  As a therapist, I know that many times a person coming for therapy doesn’t necessarily have a mental health diagnosis.  The person may merely be in grief, in a life transition, under a lot of stress or experiencing relationship issues.
    2. When a mental health diagnosis is made, the diagnosis stays on your medical record.  Because it is on your medical record, health insurance companies can use this as a reason to raise your insurance premiums.
    3. Insurance companies often only pay for therapy for a certain amount of sessions.  In my experience, it is difficult to determine from the beginning that a client needs 20, 30 or 50 sessions in order to “complete treatment”.  In therapy I’ve found that many times we may focus on one area and then something else emerges that we discover is worth exploring.  The process is a lot more flexible than insurance companies allow it to be.
    4. When you don’t use insurance, your information is 100% confidential so the information is only between you and the therapist.  The only exception to this is if you sign an authorized release for me to provide certain information to someone else.  This may happen in situations where you may want your doctor to speak with your therapist or your couples therapist to talk to your individual therapist.
    5. When you are using insurance to pay for therapy, your treatment information must be released to your insurance company (because it is their money after all).  The therapist must provide your information to a representative of your insurance company, who may or may not be trained in mental health.  Your information is then put into their database and then they determine whether treatment has been helpful to you or not.

    For these reasons and more, I find it best to provide my services on a sliding scale than to take insurance.  My hope is that this helps to make therapy more affordable and available at all times and without delays or breaks in services.

    Of course, not everyone can afford to pay out of pocket for therapy.  Therefore, if you have a PPO, I would be considered an out-of-network provider.  I can provide you with a superbill for reimbursement of services.


    If you have any questions or concerns about any of the above information or if you have a question that I didn’t answer here, then please contact me for more information.  I’ll try to get back to you within 24 hours.