Sometimes money and insurance can bring up confusion and feelings. Please know that if this happens for you as you read through this page that is a human experience to have. Please call us for more information: 908-291-3332 so we can help clarify things for you (no charge). Our goal is to support you with honesty and openness every step along the way.

1) If you plan to use insurance (called "in network"):

We accept Aetna and Cigna. In Network means that a healthcare provider has a contract with the insurance company and this is typically when people get the best rate.
Any other insurance would be considered "Out Of Network", please read # 2 below if you do not have Aetna or Cigna.
Your in-network cost is determined by your insurance company for in-network services, not your provider.
We will call your insurance and put in writing what your insurance tells us about costs.
They are not the same as rates listed below.

2) Out of Network services:

For those not using Cigna/Aetna (out of network) the fees are:

45 minute session: $160

We can provide you receipts for all services paid so you can use them for tax purposes as well as for insurance reimbursement.
Did you know you might qualify for money back from your insurance?
We can explain your out of network benefits to you once you know them for no charge.
If you need help figuring out what to ask see the box below

Questions to ask your insurance to understand your Out Of Network Benefits:

"Hi I"m calling to ask about out of network benefits." Do I have out of network benefits for mental health outpatient therapy? [If the answer is no then you will not get money back]you may choose to end the call at the point - you can take down the name of the representative & reference number if you wish. If there are benefits, are there are diagnoses that are not covered? [Please let us know what these are.]
Do I have a deductible/co-insurance? If not, what is my copay? How would I get reimbursed? When does my plan start over next? Not all plans start over on January 1st.
Do I need referral or pre-authorization for mental health services?
"Are these CPT codes covered under my plan: 90791, 90832, 90834, 90837".
Is telehealth a standard benefit for this plan? [We use a HIPAA complaint platform for telehealth if they ask]. If so, what is the telehealth modifier for billing?

6. Are there limits as to many how mental health sessions I can have in a year?

7. Take down and save the name of the representative and the reference number for your records. Add the date you called.

Your Right to Receive: Good Faith Estimate