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Cathy Saputo
Counseling  |  Wellness  |  Sex Therapy
Licensed Professional Counselor 
AASECT Certified Sex Therapist

Counseling Fees
I accept several insurances and private pay. Payment is due at the time of service, including insurance co-pays, co-insurance and deductibles. Payments of cash, debit card, credit cards, HSA and FSA cards are accepted. 

My private pay rates are competitive to the area served and the services provided. Rates take into consideration my graduate education, specialized training and credentials, years of experience, insurance reimbursement rates, and other time and expenses I've invested in order to support my clients in their therapeutic goals.

I offer telehealth (online via secure video) sessions. Some insurance plans will cover. Clients like this option for a variety of reasons, including to avoid drive time, when it's hard to find childcare, if work schedules makes it difficult to get here, or you have physical limitations that make travel tough.

I have a limited number of appointment times available via my participation in Open Path. Please contact me to discuss this option and find out more here:


Services may be covered in full or in part by your health insurance or employee benefit plan. It is your responsibility to pay for services if your insurance plan rejects a claim.
Please check your insurance coverage carefully so that you are aware of your outpatient mental health benefits including deductibles, co-insurance, or co-pays. Some insurances limit the number of sessions covered. Others require a pre-authorization/referral from your primary care physician.

I am in-network with many plans:
Blue Care Network
Blue Cross Blue Shield 
Care Worklife Solutions EAP (Workplace Options/Network Advantage EAP)
Ceridian Lifeworks EAP
Humana Behavioral Health
Humana ChoiceCare Network
Humana Military (Tricare East)
Magellan Healthcare and EAP
McLaren Health Plan
Optum/United Behavioral Health (United Healthcare)

Ask me if you don't see your plan listed.

Some plans reimburse for Out of Network benefits. I can provide a detailed receipt that you can submit to insurance for possible reimbursement.
Cancellation Policy
If you do not show up for your scheduled therapy appointment, and you have not notified me at least 24 hours in advance, you will be required to pay the late cancelaton/no show fee unless you schedule and attend a session within the next 2 business days. I am firm with this policy. This policy ensures we are both invested in your wellbeing and the block of time we set aside to meet. If something prohibits you from consistently attending scheduled appointments, this is probably not the time to start counseling.

Should I Private Pay?
Many people prefer to use the private pay option. Here are good reasons to pay out of pocket for your therapy:
     - You have no diagnosable issue, so your therapy is not covered by insurance.
     - You choose the therapist best suited to your needs rather than having to use your insurance's list of providers.
     - You have flexibility and unlimited therapy; an insurance provider is not dictating the number of therapy sessions or type of treatment.
     - You will have complete confidentiality. Your records will not be shared with anyone without your permission. In fact, no one else will know you are even in therapy unless you tell them!
     - You will be able to stay with your therapist even if your insurance plan coverage changes. 

Sex Therapy and Couples/Relationship Counseling are often not covered by insurance. 

Please  contact me for further information.
Specialty areas include: Anxiety, Depression, Caregiver Stress, Chronic Illness, Couples and Relationships, Grief and Loss, Life Transitions, Open or Poly Relationships, Pre-marital Counseling, Quarter-life Issues, Sexual Concerns, Step-Parenting Challenges, and Trauma.

Individuals, and Couples ages 13 and up from all backgrounds and cultures are welcome. I am an LGBTQIA affirmative therapist and work with all sexual orientations and gender identities. 

​Ask about current Group Counseling.

Consultation to other Therapists and Healthcare Professionals is available. I supervise LLPCs to obtain full license in Michigan.