Yes! Many clients prefer not to use insurance. Self-pay therapy offers increased privacy and confidentiality, control, freedom from diagnostics, and flexibility.

• Talking about money and mental health is a vulnerable experience and some clients prefer not to have their sessions recorded in insurance databases which have a higher chance of privacy breaches.

• Clients who pursue private or self-pay may also prefer a holistic rather than a diagnostic approach of insurance companies. 

• Being a self-pay provider allows clients more flexibility for the duration of sessions.

• Clients have reported that a mental health diagnosis in your medical records can impact life insurance (higher rates) and or employment.

Clients will receive a receipt for therapy.

Koru Financial Therapy in California is an out-of-network provider (OON), meaning we do not take insurance including Medicare.

We can provide a superbill for you to submit to your commercial insurance (Medicare is excluded). You may be reimbursed (partial or fully) if both the clinician and you meet the criteria necessary for reimbursement consideration.

Please note that health insurance companies require a diagnosis to approve and reimburse for services. This diagnosis becomes part of your medical record and medical history.

More information about how to contact your insurance to see if you qualify for OON benefits.

Please note that clients have experienced variable reimbursement rates depending on where the clinician is located. Koru Financial Therapy is located in Sacramento, CA 95811.

Koru Financial Therapy is dedicated to the emotional and/or the financial growth, strength, and peace of their clients. We are a small practice that believes in a holistic approach to mental and financial wellbeing.

Although there are benefits to using medical insurance, to protect the privacy and transformative nature of this work for clients, we have found there are many more cons for clients and to the sustainability of the practice to accept insurance including:

• Health insurance companies require a diagnosis to approve and pay for services. This diagnosis becomes part of your medical record and medical history. Clients have reported higher life insurance rates and or denial as well as impact on their employment as a result of their mental health diagnosis.

• Your health insurance plan will decide the "medical necessity" of therapy for you based on your diagnosis, and can dictate or even limit the number of sessions you can have by refusing to pay for your therapy if they do not feel it is medically necessary for your wellbeing.

• Money Disorders listed by the DSM can be found HERE. Health insurances don't always cover the cost of therapy. They will only cover the cost for certain diagnoses. If you do not have a diagnosis that they cover, they may decline to authorize or pay for services.

• You may not find out until weeks after your session(s) if they cover the cost of session(s); if they don't you may owe the full cost of your session(s).

• Your health insurance can request to review your treatment plan and therapy records at any time. If/when that occurs, your therapist is required to give access to your therapy file.

• If you have a high deductible, you may still be required to pay the full in-network rate of session until you meet your deductible.

• Health Insurance companies are increasingly dictating treatment, delay payments, claw-back payment (months or up to a year later), drain private practices through claim submission, challenging treatment plans, denial appeals, and so on making it unsustainable for a small practice. NPR just published an article called Finding a therapist who takes your insurance can be nearly impossible. Here's why

Yes. Clients have been successful using their HSA and or FSA as Koru Financial Therapy clinicians are licensed mental health clinicians in the State of California.

Mental health counseling, psychotherapy, or financial therapy is an investment in your mental and/or financial wellbeing. At Koru Financial Therapy in California, there are a range of options and fees to meet your financial concerns and needs.

Information on how insurance or company benefits can support your therapeutic needs. There is also information on financial wellbeing support in California for middle-income andlow-income earners.

Koru Financial Therapy is always looking for ways to provide access to services.

We offer a 20-minute free consultation to see how we can meet your needs. If we are not a good fit, we provide referrals and resources. If we are a good fit, there are a limited number of reduced-rate counseling spots.

We do not offer sliding-scale counseling. We do offer a few reduced-rate slots.

We believe that even reaching out about emotional or money concerns is to be supported so we created resources for middle-income and low-income earners to support your financial journey and wellbeing in California.

Koru Financial Therapy uses Ivy Pay which is a 3rd Party vendor where you will receive a text and be prompted by Ivy Pay to upload your credit card information. At the beginning of each session, we will put through the charge for the session.

Clients have successfully used their HSA or FSA cards to pay for therapy via Ivy Pay.

Yes! Koru Financial Therapy in California offers a range of ways to meet. If you are in the greater Sacramento area, you have the option to meet in-person, for walk and talk therapy or via an online HIPAA compliant telehealth option.

Koru Financial Therapy in California also offers Ecotherapy Financial Therapy where we meet at a local park.

Online mental health counseling, psychotherapy or financial therapy

If you are a resident of California, you can easily access Koru Financial Therapy through our HIPAA-compliant web-based platform where you will connect via Zoom. As long as you have Zoom downloaded, you will be able to successfully connect.

Financial Therapy attends to the relational, cognitive, emotional, and psychological aspects of money. One of the questions we often reference is “Why do I do what I do with my money?” Often, most of us have never thought much about our relationship with money and feel that our money controls us rather than us controlling it. Additionally, talking about money in our society is stigmatized. Koru Financial Therapy in California is happy to provide a supportive, safe, neuro-affirmative space to dive into all of your financial concerns from early adulthood to late life. 

Koru Financial Therapy uniquely blends mental health and financial therapy to support you emotionally and financially. Clients can access support for a range of financial concerns including perfectionism, infidelity, anxiety, stress, trauma, PTSD, and life transitions such as job loss and divorce. Clients, who, access financial therapy increase their awareness, gain skills to navigate financial stress, create a new financial narrative, and work towards financial growth and strength.

Koru Financial Therapy does not give financial advisement or planning. Rather, we walk you through a transformational process to create the relationship you want to have with money to live your best life. We provide psychoeducation and tools to improve your financial wellbeing journey including the benefits of tracking your money, creating a saving and spending plan, and setting SMART goals, communicating about money with your partner and/or your family. 

Financial therapy is unique in that it addresses and treats mental health disorders such as anxiety, depression, and bipolar while at the same time looking at how mental health symptoms can manifest through money behaviors. Additionally, money is intertwined in almost every aspect of our lives. Navigating financial transitions and stress can be daunting. We are here to help, provide support, and grow strength and confidence. 

The best answer is, “it depends”. On average, Koru Financial Therapy clients can expect to cover the core curriculum in 4-6 sessions (individual) or 6-8 sessions (couples). However, there are many variables to treatment including healing and working towards goals for therapy and financial goals overall.  

Individual therapy is one-to-one therapy with just yourself and the therapist. Couples therapy is 2 persons with the therapist. Group therapy is 4-6 persons with the therapist. Family therapy is the therapist sitting down with a family or multiple family members.

Acceptance and Commitment Therapy also known as ACT is a form of psychotherapy that combines acceptance and mindfulness strategies with commitment and behavior change strategies to increase psychological flexibility. Developed by Steven C. Hayes in the 1980s, ACT is grounded in the idea that struggling with or avoiding difficult thoughts and emotions often leads to greater distress. Instead, ACT encourages embracing these experiences while committing to actions aligned with one's values.

Koru Financial Therapy understands that things may happen and you might need to change your appointment. Our policy, to change or cancel, is 48 hours before the appointment. This allows for the session slot to be utilized by other clients. If you cancel within the 48 hours, we charge half of the session rate. 

1. A Tailored Treatment Plan

Koru Financial Therapy measures success through setting and agreeing on the therapeutic approach as well as developing treatment and/or financial goals. We also collect quantitative and collective data to assess overall emotional and/or financial wellbeing.

Client Defined Goals

Goals may take a few sessions to develop or some clients come with specific goals.

Goals will reflect:

• How you want to feel differently

• What you want to do differently

• What you want to have, get or achieve

Therapeutic modality

We will recommend and then agree on the best approach to progressing towards goals. This may be a blend of:

• ACT or Trauma Focused ACT

• Solution Focused Brief Therapy

• Financial Therapy interventions, skill building, and exercises. 

Check-ins - We will regularly review our progress towards goals and determine if any adjustments need to be made. 

2. Measurable Outcomes

Koru Financial Therapy is dedicated to providing evidence-based emotional and financial wellbeing support. Below are the quantitative and qualitative tools we use to assess psychological, emotional, and financial health

• AAQ-II

• Value-based actions

• Relational Data

• Communication Scales

• Reflection Prompts

• Qualitative Feedback - client self-report and therapist observation

+ Financial Therapy

• KMSI-R

• KMBI-R

• Financial goal attainment

• Spending habits

• Debt or savings progress

Some examples of client’s successes include:

• Creating a new financial narrative free of shame (should), guilty, or anxiety

• Navigating limiting messages such as "I am not smart enough", "I am not worthy", "I am not good with money".

• Tracking money after years of avoiding such as not reviewing bank account statements, credit card bills, taxes, mortgage payments, depositing checks

• Creating a values based budget that aligns spending with what is truly important

• Starting monthly money dates with themselves or a significant other to update their financials, review their budget, and reflect on their progress

• Opening a HYSA and starting to invest after only having money in minimal accruing interest accounts

• Having difficult money conversations

• Setting financial boundaries

• Creating an environment to have ongoing productive money conversations with loved ones

• Increased savings, debt payoff, wealth building strategies

Emotionally, you will learn skills to navigate difficult thoughts, feelings, and behaviors through defusing techniques, accepting and welcoming difficult thoughts, and applying different mindful and grounding techniques. 

Financially, you will feel and experience the positive rewards of feeling in control of your money, saving, paying off debt, and building wealth. 

The best way to get in touch is through the contact form on the website. You will receive a response within 24 hours on business days.

You can also call or text 916-234-6733.

Koru Financial Therapy is located at 2023 N Street, Sacramento, CA 95811 in Sacramento, California.

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Koru Financial Therapy sees clients on Mondays, Tuesdays, and Thursdays between the hours of 830 and 5 pm.

Unfortunately, we do not offer weekend or evening availability.

Once we have have completed our 20 minute phone consultation, we will set up an appointment. From there, appointments will be scheduled at the end of sessions or they may be preset with a recurring time and date.