dr rae sandler simon | licensed clinical psychologist
love your life. live well in love.™

What are your fees for services?
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Individual Therapy: $225 per 50-minute session
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Couples Therapy: $325 per 75-minute session
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Phone Consultations: $225 per 50-minute session
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Clinical & Professional Consultations: $225 per 50-minute session
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Emergency or After-Hours Consultations: $450 per 45-minute session (available weekdays after 5:30pm HST, weekends, and holidays)
Hours: Monday–Friday, 8:00am–5:30pm HST
For sliding scale and scholarship details, click here or see below.
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View Dr. Simonʻs Notice of Good Faith Estimate
Do you accept insurance?
I do not bill insurance directly and am considered an out-of-network provider. This private-pay model allows us to protect your privacy, avoid unnecessary diagnoses, and tailor treatment to your unique needs—without insurance restrictions.
However, I’m committed to making care accessible. I provide guidance for clients seeking out-of-network reimbursement and offer needs-based scholarships for those who qualify. This ensures your focus stays on healing, not paperwork.
Learn more about my accessible care philosophy...
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Do you offer sliding scale or discounted rates?
Yes. I believe everyone deserves access to high-quality, compassionate mental health care. To support that, I offer several scholarship-based sliding scale options:
Scholarship & Discount Programs:
Eligibility is based on household income and availability. Scholarships are awarded on a first-come, first-served basis.
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Click HERE to learn more about Live & Love Well Hawaii LLC
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Where do you offer therapy?
I’m licensed to practice in both:
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Colorado (License #3404)
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Hawaii (License #1972)
I offer therapy in person and via telehealth (video or phone). I also hold Authority to Practice Interjurisdictional Telepsychology (APIT), allowing me to serve clients in the following PSYPACT states:
Alabama, Arizona, Arkansas, Colorado, CNMI, Connecticut, Delaware, D.C., Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
How is therapy different from talking to a friend or family member?
While friends and family are vital sources of emotional support, therapy offers something unique. A licensed psychologist provides an objective, nonjudgmental space—free from the emotional ties and histories that often shape our personal relationships.
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In therapy, you're not just heard—you're guided. I listen intently, offer new perspectives, and teach evidence-based tools to help you navigate challenges and build lasting emotional resilience. Unlike casual conversations, therapy is a structured process designed to help you grow, heal, and thrive.
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Taking the first step can feel intimidating—but asking for help is a courageous and life-changing decision. I'm here to support and empower you on your path forward.
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How do I know if we’re ready for couples therapy?
Couples therapy works best when both partners are emotionally present, open to accountability, and able to regulate their responses during conflict. If one or both of you is feeling overwhelmed, reactive, or unsure, the process can feel more chaotic than healing.
If you're questioning the timing, consider these key reflections:
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Am I able to stay grounded during conflict, or do I shut down or escalate?
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What personal healing work do I still need to do before I can fully engage?
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Are we both willing to take responsibility, or are we stuck in blame?
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What kind of relationship — and family life — do we want to build from here?
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Next Steps:
If one or both of you isn't quite ready, working with an individual therapist — either before or alongside couples therapy — can lay the foundation for deeper, more effective relationship work. Whether with me or another trusted clinician, this step often creates the clarity and emotional stability needed to move forward successfully
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How is a psychologist different from other therapists?
Mental health professionals have different training and scopes of practice. Here’s a quick breakdown to help clarify:
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Licensed Psychologist (Ph.D. or Psy.D.):
Holds a doctoral degree in psychology and completes at least one year of post-doctoral supervised experience. Psychologists may use titles like doctor, psychologist, therapist, or counselor. -
Licensed Clinical Social Worker (LCSW), Licensed Marriage and Family Therapist (LMFT), Licensed Professional Counselor (LPC):
Hold a master’s degree in their field and complete two years of post-graduate supervision. They may be referred to as therapists, psychotherapists, or counselors. -
Licensed Social Worker (LSW):
Holds a master’s degree in social work. Can use titles like therapist, counselor, or psychotherapist. -
Therapist Candidates (Psychologist Candidate, LMFT Candidate, LPC Candidate, Psychotherapist):
Have completed the necessary degrees and are working toward licensure under supervision. -
Psychiatrist:
A medical doctor (M.D. or D.O.) who can prescribe medication and may offer therapy depending on their training.
Each of these professionals plays a valuable role. As a licensed psychologist, I bring advanced training in assessment, diagnosis, and integrative therapy methods that support your whole-person wellness.
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What is the first therapy session like?
Our first meeting is a comprehensive intake session, lasting 60–90 minutes (longer than a typical session). We’ll:
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Review your paperwork
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Discuss your history and current concerns
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Set realistic short- and long-term goals
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Decide together if we're a good fit
This session is about building connection, setting expectations, and beginning a thoughtful, collaborative path forward.
The first three sessions are considered a trial phase—designed to determine if our work together will be short- or long-term. If either of us feels that another provider may better meet your needs, I’ll offer a thoughtful referral.
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Can I use a credit card or HSA to pay for therapy?
Yes. I accept several payment methods for your convenience through a HIPAA-compliant portal, called Therapy Partner:
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Credit cards (Visa, MasterCard, Discover)
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Cash
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Personal checks
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Flexible Spending (FSA) or Health Savings Accounts (HSA)
Payment is due at the time of service.
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What’s your cancellation policy?
Please provide at least 72 hours’ notice if you need to cancel or reschedule. Without proper notice—or in the case of a missed session—you’ll be charged the full session fee.
I understand that life happens. If your cancellation is due to an emergency, we’ll discuss the situation and determine next steps together.
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Do you prescribe medication?
No. As a licensed clinical psychologist, I provide talk therapy but do not prescribe medications.
That said, I frequently collaborate with psychiatrists and medical providers when medication may be helpful. Research shows the most effective outcomes often come from a combination of therapy and medication, when appropriate.
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Do you have other mental health resources?
Yes, Iʻm so glad you asked! Click on any of the links below to find out more:
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More information about Brentʻs Place and Tutu and Me Home Visiting Program
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