How Much Does a Psychiatrist Cost in Florida? MindSpa Rates, Insurance, and What to Expect
Author: Marie Hankins-Lennox, PMHNP-BC Last reviewed: May 26, 2026
Medical disclaimer: This page explains MindSpa’s self-pay rates and how insurance billing generally works. It is not a guarantee of coverage. Your final cost depends on your specific plan, deductible status, and benefits at the time of your visit. We verify your benefits before your appointment so you have a real number in advance.
At MindSpa, a new patient evaluation costs $200 if you pay out of pocket, and a follow-up visit costs $150. If you have insurance, your cost depends on your plan, and we run a benefits check before your appointment so you know what you will owe before you sit down. The page below walks through our rates, how insurance changes the number, and what to expect for online mental health care across Florida.
Want a real cost answer in five minutes? Call 561-576-9404 and we will verify your insurance for you.
MindSpa Rates at a Glance
These are MindSpa’s self-pay rates. They apply whether your visit is for medication, therapy, or a brief check-in.
| Visit Type | Self-Pay Rate |
|---|---|
| Initial evaluation (new patient) | $200 |
| Follow-up visit | $150 |
| Refill or brief check-in | $150 |
A few things to note about how we price visits:
- Therapy visits and prescribing visits are billed at the same rate.
- There is no extra charge for short portal messages or refill requests between scheduled visits.
- Rates are flat. You will not see a different number on your invoice than you saw before booking.
For context, the $150 follow-up rate sits below the market range for South Florida mental health visits without insurance. We chose flat pricing so cost is one less thing to puzzle over when you are already trying to feel better.
How Insurance Affects Your Cost
If you use insurance, the price you pay at a visit is shaped by three numbers on your plan. Here is what each one means in plain language.
Copay. A fixed dollar amount you pay at each visit. A typical mental health copay is $20 to $50 per visit, depending on the plan.
Coinsurance. A percentage of the visit cost you pay after meeting your deductible. If your coinsurance is 20%, you pay one-fifth of the allowed amount and your plan pays the rest.
Deductible. The total you have to pay out of pocket each year before your plan starts sharing the cost. Until you hit it, you typically pay the full contracted rate.
The good news: you do not have to figure this out alone.
What Insurance Plans Does MindSpa Accept?
We are in-network with Aetna, Cigna, Blue Cross Blue Shield, United Healthcare, Oscar, Oxford, and TRICARE. You can see the full list on our insurance we accept page.
How Do I Know What My Plan Covers Before My Appointment?
We run the check for you. Once you give us your insurance information, our team contacts your plan, confirms your copay or coinsurance, checks your deductible status, and sends you a written estimate before we schedule. That way you have a real dollar number in hand, not a guess. No surprise bills after the fact.
Does Telehealth Mental Health Cost More Than In-Person?
No. For the plans we accept, a telehealth mental health visit is covered at the same rate as an in-person visit. Florida insurance law requires telehealth parity for most commercial plans, which means insurers cannot charge you more for a video visit than they would for one in an office. The self-pay rate is the same too: $200 new, $150 follow-up, whether you see us by video or in person.
TRICARE and Mental Health Costs at MindSpa
TRICARE covers outpatient mental health visits, and what you pay depends on your category.
- Active-duty service members generally pay $0 for in-network outpatient mental health visits.
- Family members and retirees typically have a cost-share that varies by TRICARE plan (Prime, Select, or another option) and by whether you have met your catastrophic cap.
For the exact dollar amount on your plan, TRICARE publishes current cost-shares at TRICARE.mil. For a step-by-step on how this looks at our practice, see our TRICARE mental health coverage page.
Therapy Cost vs Psychiatry Cost: Is There a Difference?
At MindSpa, no. A therapy visit and a prescribing visit are billed at the same self-pay rate, and insurance billing follows the visit code your clinician uses, not the label on the door. Some Florida practices charge more for prescribing visits than for therapy. We price them the same because the time and clinical attention are similar.
If you want more detail on what each visit type covers, our therapy services and medication management pages walk through what to expect.
What Affects the Final Price You Pay
Five factors decide what shows up on your invoice:
- Whether you use insurance or pay out of pocket. Self-pay is the flat $200 or $150. Insurance shifts the math to copay or coinsurance.
- Your plan type. HMOs, PPOs, and EPOs treat in-network and out-of-network visits differently.
- Your deductible status. If you have not met your deductible for the year, expect to pay closer to the full contracted rate until you do.
- Whether MindSpa is in-network for your specific plan. Even within the same insurance company, some plans contract differently. The benefits check confirms this.
- New patient vs established patient. First visits run longer and bill at the higher rate. After that, follow-ups are $150 self-pay or your plan’s follow-up cost.
What If I Don’t Have Insurance?
You can self-pay at the rates above. We do not run a sliding scale, but our flat $150 follow-up rate is set below the South Florida market for cash-pay mental health visits, and there are no add-on fees for messages, refills, or short portal check-ins between visits. If cost is a concern, ask us about visit frequency. Many established patients see us every six to eight weeks rather than monthly once they are stable.
Frequently Asked Questions
Q: How much does a first appointment cost in Florida at MindSpa? A: $200 for a self-pay new patient evaluation. If you use insurance, your cost is your plan’s specialist copay or coinsurance, which we confirm in writing before your appointment.
Q: Does insurance cover online therapy and mental health visits? A: For the plans we accept (Aetna, Cigna, Blue Cross Blue Shield, United Healthcare, Oscar, Oxford, and TRICARE), yes. Coverage details depend on your specific plan, which is why we verify benefits in advance.
Q: Is a telehealth mental health appointment covered the same as in-person? A: For most commercial plans in Florida, yes. State law requires telehealth parity for most commercial coverage, so a video visit is billed at the same rate as an in-office visit.
Q: Does MindSpa offer a sliding scale or reduced fee? A: No, we do not offer a sliding scale. Our self-pay rates ($200 new patient, $150 follow-up) are flat and set below the local market for cash-pay mental health visits, with no extra fees between visits.
Q: What happens if my insurance is out of network with MindSpa? A: You can still see us at the self-pay rates above. Some plans reimburse a portion of out-of-network visits if you submit a superbill, and we can provide one on request. Check with your plan for out-of-network mental health benefits.
Q: Does TRICARE cover telehealth mental health visits? A: Yes. Active-duty members typically have no cost-share for in-network outpatient mental health, and family members and retirees have a cost-share that varies by plan. See TRICARE.mil for current amounts.
Q: How quickly can I get an appointment? A: New patient evaluations are usually available within a few business days. Call 561-576-9404 to verify your insurance and schedule.
Ready to know your real cost? Call 561-576-9404. We will verify your insurance, send you a written cost estimate, and book your first visit once you have the number in hand.