Fees for Individual Therapy at MCAC


I am happy to offer free thirty minute consultations. This initial meeting is a chance for us to get to know each other better. If we find that we are not a good fit for each other, I will offer to provide you with a referral for another therapist who may be better able to serve you.

My fee for a 60 minute session is $125. I accept cash, checks, HSAs, and all major debit and credit cards.

The first session after our consultation will involve completing paperwork. I recommend that clients attend sessions weekly, initially. Therapy is based on a the relationship between the client and the therapist. It is difficult for trust and comfort to be established when these initial contacts are infrequent.

Insurance Information

I am not an in-network provider for any insurance company.  However, as a licensed counselor, most insurance companies will consider me an out-of-network provider, and may cover a portion of our session.

I encourage you to call the number on the back of your insurance card to ask about your “out-of-network” benefits, so there aren’t any financial surprises. I will give you a receipt at the end of each session which you can submit to your insurance company for possible reimbursement. You will be responsible for the fee at the time of our appointment, and, depending on your plan, a certain percentage may be paid to you by your insurance company.

Distance counseling is a non-reimbursable service by most insurance companies.


 If you are interested in being reimbursed by your insurance company, it is best to find out what your insurance will cover.


Some good questions to ask include:

Do I have out of network mental health benefits?

What is my out of network deductible? Has it been met?

How many therapy sessions per calendar year does my plan cover?

What is the coverage amount per therapy session?

Is approval required from my primary care physician?


Now Offering Distance Counseling to all NC residents

Distance counseling may be a good option if you are unable to attend sessions in person. A stable internet connection, email, and a credit/debit card are needed to participate. Before our first meeting, I will provide instructions for connecting to a secure, HIPAA-compliant telehealth system. I will also send you several forms via email for you to complete and return to me before this initial session. We will also establish procedures for online payment.

During our first session together, I will gather information about you, your history, your current difficulties and where you want to be in your life. We’ll work together to define your goals for therapy and your focus for each session.

Similar to in-person counseling, sessions are 60 minutes long and we’ll meet weekly to start. Weekly sessions will allow you to deepen trust in our relationship, feel more safety to do your work, maintain focus and consistency on the therapy process, and more quickly achieve your goals.

*Please note that distance counseling is a non-reimbursable service by most insurance companies. 

Clients must reside in the state of NC.



Schedule your free 30 minute initial consultation.

Kara Ashley-Gilmore, LPCA

Phone: 828-595-3847

Email: kgilmore@mountaincreativearts.com


307 N Main Street, Ste. 9-10

Downtown Hendersonville, NC 28792

(In the McFarlan Bakery Building, between 3rd and 4th Avenues)