Individual Therapy Session

$200 per 50-minute session

Wellness Consultations

$200 per session

Agency Consultation/Education

$250 per hour


*Payment for sessions is due at the time of service.  Sessions may be paid by cash or check made out to Karen Harman, Psy.D., LLC.




For all insurance plans, I am eligible for reimbursement as an “out-of-network” provider. Many of my clients use insurance to help them obtain reimbursement for a percentage of the amount paid for their session.   To find out what your benefits are, call your insurer and ask them what "out-of-network" mental health benefits are available to you.  For clients with out-of-network benefits through insurance carriers, I will gladly provide the necessary documentation to meet the insurance company's requirements for reimbursement. 

Military/Veterans/Spouses - TRICARE Clients: I am recognized as a TRICARE "certified non-network provider." This means that TRICARE considers me to be an authorized provider even though I do not participate directly with any insurance plans. Therefore, TRICARE clients may be entitled to reimbursement for a percentage of amounts paid.




Please provide as much notice as possible if you need to cancel an appointment, as this creates an opportunity for someone else to have an appointment. I charge for sessions that are cancelled with less than 24 hours notice with exceptions for inclement weather or illness. 


Please contact me for more information or to make an appointment.