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Scope of Psychiatric Mental Health Nurse Practitioner (PMHNP) with Talk Therapy

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Hello all! I am graduating with a NON-NP Master's degree in nursing, and I have thought about continuing on to the DNP for mental health. One thing I am considering as part of a practice in talk therapy.

I assume this depends on state, but I want to know if a DNP is licensed to charge for talk therapy rather than medical/nursing interventions? Even as a Master's (non-NP) is there any kind of talk therapy you can do without getting a Licensed Counselor/Therapist degree?

Do you need a separate certification?

I understand anyone can call themselves a "life coach" or whatever, but I actually want to help people who can't afford that, by which I mean, charge to insurance. Anybody familiar with this stuff?