Fees and Frequently Asked Questions

Individual therapy appointment: $250

Couples or family therapy appointment: $275

Executive coaching and business consulting: Reach out for pricing

Yes. I offer a free phone consultation to help determine whether working together may be a good fit.

Email me at Joe@joerustum.com or schedule a free phone consultation online.

I am currently private-pay only and do not accept insurance.

Working outside of insurance allows therapy to stay more private, flexible, and focused on what is most useful for you. It also means our work is not shaped by insurance requirements, session limits, or the need to submit a diagnosis in order to use benefits.

I can provide superbills that you may submit to your insurance company for possible out-of-network reimbursement. Reimbursement depends on your specific plan, so I recommend contacting your insurance company directly to ask about your out-of-network mental health benefits.

When contacting your insurance company, you may want to ask:

• Do I have out-of-network mental health benefits?
• What is my deductible?
• What percentage of each session may be reimbursed after my deductible is met?
• Do I need preauthorization for outpatient therapy?
• How do I submit superbills for reimbursement?

Therapy and coaching can both help you make meaningful changes, but they serve different purposes.

Therapy

Therapy focuses on mental health, emotional patterns, relationships, and psychological distress. It can help with concerns such as anxiety, depression, OCD, burnout, trauma, relationship issues, perfectionism, and long-standing patterns that affect your daily life.

Therapy may involve understanding past experiences, but it is not only about the past. It can also be practical, present-focused, and action-oriented. The goal is to help you better understand what is happening, reduce distress, improve functioning, and create healthier patterns in your life and relationships.

Coaching

Coaching is focused on goals, growth, performance, leadership, career direction, decision-making, and professional development. It is often a good fit when you are generally functioning well but want more clarity, structure, accountability, or strategy as you move toward a specific personal or professional goal.

Coaching does not diagnose or treat mental health conditions. Instead, it helps you clarify goals, identify obstacles, strengthen decision-making, improve communication, and take action toward meaningful growth.

Key differences

Therapy is appropriate when the focus involves mental health symptoms, emotional distress, relationship patterns, anxiety, depression, OCD, trauma, burnout, or clinical concerns.

Coaching is appropriate when the focus is professional growth, leadership development, career direction, performance, accountability, decision-making, or goal achievement.

Some concerns can overlap. Career stress, perfectionism, burnout, leadership pressure, and major life decisions may include both practical goals and deeper emotional patterns. If you are unsure which service is the best fit, we can discuss that during a free phone consultation.

My goal is for you to experience lasting relief and progress that sticks. Many clients begin to feel some improvement within the first few weeks, but early relief does not always mean the work is finished.

Lasting change usually requires understanding the patterns and root causes that keep problems coming back. You will know therapy is working when you start feeling better, noticing your patterns more clearly, and making changes in your daily life. I will also check in with you over time to make sure we are making progress toward your goals.

My goal is to help you become more self-sufficient over time, not to keep you in therapy indefinitely. I will help you build skills, develop new strategies for handling stress, and create a healthier rhythm for your life.

As a general rule, the longer a problem has been developing, the longer it may take to fully change. There is no exact timeline for when someone will feel completely better, but therapy should feel productive and useful. If you feel like you are not making progress after repeated conversations with a therapist, it may be worth discussing that directly or considering whether a different fit would be more helpful.

I am individually licensed in Tennessee and New York.

Through PSYPACT, I am authorized to provide online therapy in over 40 states. The states include Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Yes. I offer in-person therapy in Nashville, Tennessee.

Address: 762 East Argyle Avenue, Nashville, TN 37203

I also offer online therapy in over 40 states through PSYPACT.