Rates & Insurance

Insurances Accepted:

BC/BS NJ

Cigna

Aetna 

Amerihealth

Magellan 

EAP

Out-Of-Network Options:
Your counseling services may be eligible for reimbursement through out-of-network benefits, medical spending or health care savings accounts. Health insurance plans and benefits vary. The first step you can take is to call your insurance provider to inquire about reimbursement for out-of-network counseling services.  Please check your coverage carefully by asking the following questions:

• Do I have mental health insurance benefits?
• What is my deductible and has it been met?
• How many sessions per year does my health insurance cover?
• What is the coverage amount per therapy session?

Reasons to Pay “Out of Pocket”: 
Many clients choose not to involve insurance companies in their mental health care. Their counseling is not limited by the diagnosis, treatment plan or session limits that health insurance companies dictate. Insurance companies often limit the number of sessions and even the type of therapy. Many insurance companies do not cover couples/relational or family therapy. To have therapy services covered under insurance, a mental health diagnosis must be made. This then becomes a part of your permanent health care record. This may lead to limitations such as denial for quality life insurance or health insurance later on. Additionally, since a mental health diagnosis must be made to obtain reimbursement, the insurance company has to know a lot of information about you to be covered. The insurance company can review all of your records at their discretion. By paying privately or out of pocket, I can assure private pay clients of the highest degree of privacy, flexibility and control of their mental health record allowed by state law, since my records are exempt from insurance reporting and random compliance audits.

Reduced Fee
Reduced fee services are available on a limited basis. 

Payment
Cash, check and all major credit cards accepted for payment.

Cancellation Policy
If you do not show up for your scheduled therapy appointment, and you have not notified us at least 24 hours in advance, you will be required to pay the full cost of the session.