Julia will no longer be in-network with any insurance by mid-September 2026! Self-pay scale shown below.
Embolden Therapeutic Solutions, LLC was created with the aim of providing clients with a safe and constructive space to facilitate exploration, understanding, change, and healing.
Finding one's therapeutic match is essential for effective therapy but can take time. To support this feat, a free phone consultation is built into the therapy process as it is the first step in determining one's unique treatment needs.
I am currently in-network with Aetna, Blue Cross Blue Shield, Cigna, and UnitedHealthcare. However, I have begun the process of unpaneling. In about 90 days (Mid-September 2026), I will NOT be in-network with any insurance plan. At the bottom of this page, you will see the fee structure I intend to use once I am out-of-network.
You may notice my fees are lower than many therapists in the area. That's intentional. I believe cost should never be the reason someone doesn't get support, and I've structured my rates to reflect that — while still sustaining a practice I can show up to fully. Affordable and good are not mutually exclusive. I'm committed to being both.
Julia's path to counseling began with an unlikely major. As a political science student at Monmouth University, she found herself drawn less to policy and more to the psychological forces behind social movements — hope, identity, fear, and belonging that quietly shape collective human behavior.
After graduating, Julia spent time as a caregiver for her late grandparents. It was an experience that asked something of her long before she had the clinical language to name it, and it gave her an early, intimate understanding of what it means to show up for someone in their most vulnerable moments.
In 2015, she returned to Monmouth University to pursue her Master's in Clinical Mental Health Counseling. She took to the work naturally — particularly the intersection of neuroscience and mental health, which gave her a framework for understanding not just what people feel, but why. Her clinical training began at a drug and alcohol treatment facility, where she developed a deep respect for the complexity of addiction and the resilience it takes to face it.
She went on to intern at Integrated Care Concepts and Consultation (ICCC), where she worked with individuals navigating anxiety, depression, grief and loss, relationship and marriage challenges, trauma, occupational burnout, and struggles with self-worth. After licensure, Julia completed her supervised associate hours there as well — building a foundation of experience that is both broad and deeply human.
Julia brings that experience into every session, alongside something that can't be taught: genuine empathy, warmth, and a sense of humor that makes the hard work of therapy feel a little less heavy.
When she's not in the therapy room, Julia can be found with her dogs, her family, a good documentary, or deep in research on whatever subject has caught her curiosity this week.
A Diagnosis Follows You
When you use insurance, therapists are required to assign you a formal psychiatric diagnosis to justify treatment. That diagnosis doesn't stay locked away in a filing cabinet. It becomes part of your permanent insurance record — and it can follow you in ways you might not expect: higher life insurance premiums, complications with disability coverage, and in some cases, flags on certain employment or security clearance background checks. You deserve to know that before your first session.
Insurance Doesn't Just Pay — It Dictates
Many people assume that once insurance approves therapy, the process is hands-off. It isn't. Insurers routinely conduct post-treatment audits, reviewing your clinical notes long after sessions have ended to determine whether your care was "medically necessary" by their standards. If they decide it wasn't, they can demand repayment.
They can also deny claims mid-treatment, cutting off coverage without warning and leaving you to either pay out of pocket or stop therapy abruptly. And throughout your care, a claims reviewer who has never met you — who knows nothing about your history, your struggles, or your progress — has the authority to decide how many sessions you're allowed and whether your treatment should continue. Your care becomes a negotiation between your insurance company and therapist. That's not what therapy should be.
The Medical Model Doesn't Fit the Mind
Insurance operates on a medical model: identify the problem, treat it, resolve it, close the case. That works for a broken bone. It does not work for the human mind.
Emotional healing is not linear. Progress in therapy rarely looks like a straight line from point A to point B. People have breakthroughs, followed by hard weeks. They make peace with something painful, and then life hands them something new. Growth is layered, nonlinear, and deeply personal — and no insurance timeline can account for that. When insurers set session limits or require proof that you still meet criteria for a diagnosis, they are forcing therapy into a framework it was never designed to fit.
We Wouldn't Do This With Medication
We would never tell someone to stop taking their medication simply because they feel better. Feeling better is often because of the medication — and stopping it prematurely can undo everything.
Therapy works the same way. For many people, it is not a short-term fix — it is an ongoing, necessary support. A space to process life as it happens. A relationship that helps them stay grounded, navigate transitions, and continue growing. There is no expiration date on that kind of support, and there shouldn't be. Insurance companies disagree. They expect therapy to have a finish line, and they will push you toward it whether you are ready or not. The decision about when therapy ends should belong to you and your therapist — no one else.
What Private Pay Actually Gives You
Choosing to work outside of insurance isn't just about avoiding its limitations. It's about reclaiming something important: your autonomy over your own care.
I want the clinical freedom to treat you as a person — not a "disordered" being who must continuously prove they meet "medical necessity" just to step foot in my therapy room. You should never have to earn your place in therapy by fitting neatly into a diagnostic box that was designed for billing purposes — not you. Here, no diagnosis is required unless you want one. No one is auditing your records (unless you choose to use your out-of-network benefits, then you are opening yourself up to a possible audit). No one is approving or denying your sessions. Your treatment is not on a clock. And the work we do together stays between us — exactly where it belongs.
I have structured my rates to be genuinely accessible, with low-cost options available for those who need it. If cost is a concern, please reach out before you decide therapy isn't possible. I would rather find a way to make it work than have finances be the reason you don't get the support you deserve.
Fall 2026 Standard Fees
*For those in need, a sliding scale is available.
Individual Sessions
60 minute: $100 USD
45 minute: $80 USD
30 minute: $60 USD
Couples Sessions
60 minute: $125 USD
90 minute: $150 USD
