For private practice therapists and behavioral health groups

A private practice therapist who sees Medicare patients in Florida must either enroll or opt out. LMHCs and LMFTs have billed Medicare directly since January 1, 2024, as LCSWs already could, all three at 75% of the physician fee schedule amount.

Office overlooking a city skyline

What is a private practice therapist in Florida, and what does it take to open one?

Florida’s chapter 491 licenses are clinical social worker, marriage and family therapist and mental health counselor. Each needs at least 2 years of supervised experience after the master’s degree, gained as a registered intern (s. 491.005).

Step Clock or cost Guide or service
Intern registration, 2 years supervised, exam Fee up to $200; registration lasts 60 months Clinical supervision
Entity and EIN Chapter 621 entities: owners licensed for the same services (s. 621.09) Starting a practice
AHCA clinic license, or exemption Exempt if wholly practitioner-owned; optional certificate up to $100 (s. 400.9935(6)) AHCA licensing
NPI and DataSpring (CAQH) profile NPI free; re-attest every 120 days CAQH and NPI
Medicare: enroll or opt out 95% of clean online files in 15 days, all in 50 Medicare enrollment
Florida Medicaid AHCA’s estimate: 60 days or less Medicaid enrollment
Commercial plans, behavioral networks Evernorth up to 90 days; Cigna 45 to 60 days Mental health credentialing, payer enrollment
HIPAA, consents, notices, self-pay estimates Estimate due within 1 to 3 business days HIPAA compliance
Cards, ads, signs, website License title on each Compliance
Documentation and review Records kept 7 years after last contact Documentation audits, progress notes
Interns and hires Up to 25 interns per supervisor Behavioral health recruiting
CE, re-attestation, revalidation 30 CE hours at each renewal after the first Recredentialing

Sources: AHCA; First Coast; Cigna; Evernorth; DataSpring; statutes and rules.

What is group practice for therapists, and how do groups bill?

For billing, a therapy group practice is the entity its clinicians reassign their benefits to; in Medicare, reassignment (CMS-855I, section 4F) lets the group bill and be paid for a member’s Part B services. Florida Medicaid lists two application types for therapists: a “Sole Proprietor Enrolling as a Member of a Group,” who “must reassign his or her billing rights to a group employer,” or a Group. Ownership and structure are for your attorney.

A group practice without walls: what Medicare and Medicaid enrollment require

If your clinicians see clients from their own offices or homes, enrollment follows locations. In Medicare, a clinician whose only location is home enrolls it as a practice location marked “Home office for administrative/telehealth use only.” In Medicaid, a community behavioral health group “must have a separate Medicaid ID number for all service locations.”

Digital marketing for private practice therapists: what Florida requires on every ad

The LCSW and LMFT sentences of s. 491.0149 match the LMHC one quoted below; registered interns must use the full words “registered … intern” and provisional licensees “provisional … licensee.” License display is in the start-up guide.

“A licensed mental health counselor shall include the words ‘licensed mental health counselor’ or the letters ‘LMHC’ on all promotional materials, including cards, brochures, stationery, advertisements, and signs, naming the licensee.”

s. 491.0149(1)(b)3., Florida Statutes (2026)

Three more discipline grounds touch marketing (s. 491.009(1)): a kickback, rebate, bonus or other remuneration for referrals, or a reciprocal referral agreement; misleading, deceptive, untrue or fraudulent representations; and soliciting clients, personally or through an agent, through fraud, intimidation, undue influence, or overreaching or vexatious conduct. Our compliance service gives guidance on digital compliance, healthcare communications and healthcare advertising requirements.

Medicare for private practice therapists: enroll or opt out

CMS says practitioners who see Medicare patients but don’t enroll “are required to opt-out”: a private contract with each patient and an affidavit to your MAC. Opt-out lasts 2 years and renews unless you give written notice at least 30 days before it ends. Some Medicare Advantage plans and state Medicaid agencies may require Medicare enrollment first (CMS enrollment FAQ, Q40–42; 42 CFR 405.400).

Telehealth. Medicare pays for telehealth anywhere in the United States through December 31, 2027; after that, in-person visits apply to mental health telehealth at home, and patients who start before then count as established (CMS Telehealth FAQ, updated 10/8/26); mental health credentialing has the visit rules.

How much does a private practice therapist make?

BLS counts employees, not owners: the chart shows what practices pay therapists, not what an owner keeps.

Median annual pay of employed therapists, May 2025
Social workers, Miami$51,510
Counselors, Miami$57,290
Marriage and family therapists, Miami$58,660
Counselors, U.S. mental health practices$59,060
Marriage and family therapists, U.S. mental health practices$65,810
Social workers, U.S. mental health practices$72,940

Source: BLS, Occupational Employment and Wage Statistics, May 2025: Miami-Fort Lauderdale-West Palm Beach metro (all employers); U.S. offices of mental health practitioners. Social workers are BLS's mental health and substance abuse social workers; counselors, its substance abuse, behavioral disorder and mental health counselors.

Telehealth and records rules for a therapist private practice

Florida holds a telehealth provider to “the prevailing professional standard of practice” for in-person care and requires telehealth services to be documented “according to the same standard as used for in-person services” (s. 456.47(2)(a), (3)). A psychotherapy record must hold the client’s name, address and telephone number, session dates, the treatment plan and results, diagnosis if applicable, fees assessed and collected, consent documentation, release authorizations, legal forms and contacts with other professionals (Rule 64B4-9.002(2)).

How to scale a group practice with interns and new hires

A Board-approved qualified supervisor (Form DH-MQA 5049) can oversee up to 25 registered interns at once, at least 50% of the supervision in person (Rule 64B4-2.002). In a private practice, a licensed professional must be on the premises, in person or by telehealth under the intern’s plan, while an intern sees clients. Registered interns can’t enroll in Medicare, which requires a license. HR and staff training covers onboarding; healthcare KPIs covers no-show and access measures.

Official sources

All read Oct 20–21, 2026.

Frequently asked questions

Do private practice therapists need an AHCA license in Florida?
Section 400.9905(4)(g), F.S., exempts a practice wholly owned by licensed practitioners, chapter 491 included, on the conditions how to start a private practice sets out. Your attorney decides whether your plan fits.
Does the license-title rule apply to my website and social posts?
Section 491.0149 covers "all promotional materials" naming you; its examples, in the quote above, don't name websites or social posts. Whether yours count is a question for your attorney.
When can a therapist share what a client says?
Communications with a client are confidential (s. 491.0147). The privilege may be waived when you are a defendant in a civil, criminal or disciplinary action arising from the client's complaint (for that action only), or when the client, or each family member in family therapy, agrees in writing. If a client communicates a specific threat of serious bodily injury or death to an identified or readily available person, and you make a clinical judgment that the client has the apparent intent and ability to carry it out imminently or immediately, the privilege must be waived and you must disclose to a law enforcement agency what is needed to communicate the threat. Your attorney applies this to a case.
How many continuing education hours does a Florida therapist need?
None for the first renewal; then 30 at each biennial renewal, including 2 on preventing medical errors and 3 on ethics and boundaries or telehealth. Every third renewal adds 3 hours of laws and rules, plus 2 on domestic violence (also within 6 months of licensure). At most 6 of the 30 may be administrative courses (Rule 64B4-6.001).
Does a client who has insurance ever count as self-pay?
Yes. Under 45 CFR 149.610 a self-pay individual includes one with employer, individual or federal-employee coverage who doesn't want a claim submitted; that clause doesn't list Medicare or Medicaid. Ask each client whether they have coverage and want a claim filed; any cost question counts as a request for an estimate.

Talk to an advisor

You care for patients. Who’s taking care of the business?

Tell us where your practice is today. We will tell you what we would do first.