Why cash-pay works better for mental health
Willow & Stone is led by Dr. Stacey Forbes, DNP, APRN, PMHNP-BC — a board-certified Psychiatric-Mental Health Nurse Practitioner with nearly two decades of experience across inpatient, outpatient, emergency, and community mental health. Now licensed in New Mexico, Dr. Forbes offers integrative, cash-pay telehealth psychiatry statewide.
Insurance-based psychiatry often means 15-minute visits, prior authorizations, and being steered toward whatever the plan covers. Direct-pay care removes those barriers so your treatment is driven by your needs — not a claims department.
The direct-pay advantage
- ✓No prior authorizations and no referrals required
- ✓Longer appointments (45–60 minutes) instead of rushed 15-minute visits
- ✓You choose your provider and keep continuity of care
- ✓Transparent, published pricing — no surprise bills
- ✓Superbills provided for out-of-network reimbursement (many patients recover 40–70%)
Transparent Cash-Pay Pricing
We believe cost should never be a mystery. Willow & Stone is a direct-pay practice — you pay a clear, published fee and skip insurance delays, prior authorizations, and surprise bills. We provide a superbill you can submit to your insurer for possible out-of-network reimbursement.
Initial Consultation
Contact for rates · 60-minute comprehensive intake
Follow-Up Visit
Contact for rates · focused medication & care review
Spravato Session
Contact for rates · REMS-supervised (in-person)
Pricing shown for planning; final fees confirmed at booking.
Frequently Asked Questions
What is a superbill?
A superbill is an itemized receipt you submit to your insurance company to request out-of-network reimbursement. We generate one for every visit.
How much can I get reimbursed?
It depends on your plan’s out-of-network benefits, but many patients recover 40–70% of session costs. Check your plan’s out-of-network mental health coverage.
Why don’t you take insurance?
Staying out of network lets us offer longer appointments, faster access, and treatment decisions based on your needs rather than insurance restrictions.
Your healing begins with a conversation.
Start with a cash-pay telehealth consultation — no insurance, no prior authorizations, no waitlists.
Schedule Your ConsultationOr call (972) 762-0057