A written document that outlines the expected costs of services for a client who is either uninsured or choosing not to use their insurance for mental health services. This estimate is required under the federal No Surprises Act, which took effect on January 1, 2022, and is enforced by the U.S. Department of Health and Human Services (HHS).

The purpose of the Good Faith Estimate is to promote price transparency, empower clients to make informed decisions about their care, and reduce the likelihood of receiving unexpectedly high bills after treatment. It is part of broader efforts to protect consumers from “surprise medical bills,” particularly in non-emergency settings where individuals may not realize that certain providers or services are out-of-network or not covered by insurance.

Clinicians are ethically and legally responsible for providing this estimate in writing, typically within one to three business days of scheduling a service, or upon the client’s request. The law applies to all licensed providers, including psychologists, licensed professional counselors, social workers, marriage and family therapists, and others offering psychotherapy services.

Importantly, providing a Good Faith Estimate does not require predicting the full course of therapy, which is often difficult to do given the individualized and evolving nature of mental health treatment. Instead, it encourages transparency and gives the client a reasonable expectation of the potential financial commitment.

The Good Faith Estimate is part of a broader movement toward client-centered, informed, and equitable care, ensuring that financial considerations do not become hidden barriers to access or trust in the therapeutic relationship.