Using Self-Pay, HSA & FSA for Therapy Coverage.

Quality Therapy Should Be Accessible.

Choosing a therapist should be based on finding the right fit—not just your insurance network.

Whether you're paying privately, using a Health Savings Account (HSA), or a Flexible Spending Account (FSA), investing in your mental health is an investment in your future.

Jennifer L. Hillier, M.A., LPC-S provides secure online therapy for adults throughout Texas, Colorado, and Florida and welcomes self-pay clients, as well as those using HSA and FSA benefits.

Helping You Understand the Story Behind Your Survival.

Healing isn't about fixing what's "wrong" with you.

It's about understanding the story behind the survival patterns your nervous system developed and learning new ways to respond that support the life you want today.

Many of the struggles people bring to therapy—anxiety, depression, relationship difficulties, perfectionism, people-pleasing, or feeling emotionally stuck—are often adaptive survival responses rooted in unresolved experiences.

Together, we'll explore those patterns with compassion, heal the unresolved trauma beneath them, and help you reconnect with your authentic self.

Why Some Clients Choose Self-Pay

Many clients intentionally choose self-pay because it offers additional flexibility and privacy. I want to remove barriers so you can access the care that's right for you.

Self-pay may be a good option if you:

  • Prefer greater privacy regarding your mental health care.

  • Have a high insurance deductible.

  • Want more flexibility in treatment without insurance limitations.

  • Have out-of-network benefits.

  • Wish to use your HSA or FSA.

  • Want to begin therapy right away.

What I Help With

My Approach

I integrate evidence-based therapies, including:

Ready to Begin?

Healing starts with understanding the story behind your survival.

Whether you're using insurance, self-pay, HSA, or FSA, finding the right therapeutic relationship is one of the most meaningful investments you can make in yourself.

Office of Trauma Therapist Jennifer L. Hillier

Online Counseling Services

Online Trauma Therapist in Texas, Colorado, and Florida, Jennifer L. Hillier, M.A., LPCS, provides online counseling in the following states. Schedule your appointment online today.