Rates & Frequently Asked Questions

Individual Therapy

$285

(45-55 minutes)

Accepted Insurance Providers

  • Aetna
  • Cigna
  • UnitedHealthcare
  • Oxford
  • Oscar Health
  • UMR
  • UHC Student Resources
  • Harvard Pilgrim

I have limited spots open for in-network insurance benefits. Most of my open availability is for private pay, but in some cases you may be eligible to use out-of-network insurance benefits. Paying out-of-pocket is a great option for people who want maximum privacy, confidentiality, and flexibility. You will be responsible for paying for each session in full at time of appointment. If appropriate, I will provide a superbill each month that you can submit to your insurance company for reimbursement.
Call your insurance company to see if you have out-of-network benefits. If you do, they typically will reimburse you for 60-80% of the cost of each session.

How do I find out if I have out-of-network benefits?

Your out-of-network benefits are usually listed in the Summary of Benefits information on your insurance company’s website. It’s always a good idea to call the number on the back of your health insurance card listed under Member Services.

You can ask them the following questions:

1. Do I have out-of-network outpatient mental health coverage? Am I able to use these benefits for telehealth?

2. What is my out-of-network deductible?

3. How much of my deductible has been met this year?

4. Do I need a referral from an in-network provider to see someone
out-of-network?

5. What percentage of outpatient psychotherapy sessions are covered per session?

6. How much will I be reimbursed for an initial evaluation (CPT code: 90791), a 45 minute psychotherapy session (CPT code: 90834), and a 55 minute session (CPT code: 90837)?

7. How do I submit claim forms for reimbursement?

8. How long does it take for me to receive reimbursement?

If appropriate, I will provide you with monthly invoices called a “superbill” that will include all of the necessary information for your claims to be processed.

What If I Don’t Have The Insurance You Accept? Can I Still Work With My Insurance?

I can provide a monthly superbill that you may submit to your insurance for reimbursement.

How Do I Discover What My Insurance Will Cover?

To find out what your insurance may cover, contact your insurance and ask if you have out-of-network mental health coverage. If you need to provide a “CPT code” or a “service code” you can provide the following codes:

  • Individual Therapy – CPT 90837
  • Psychiatric Evaluation (first session) – CPT 90791
  • Individual Therapy – CPT 90834

You may also want to mention the type of license that I have to ensure services with my type of credential are covered. I am an LCSW.
Other things you may want to ask about are:

  • What your deductible is
  • What your co-insurance payment will be
  • How many visits you get per year
  • If you need authorization for your visits
  • Details on how to submit a superbill

Contact me if you would like more guidance on how to figure out what your insurance will cover.

I’ve never talked to anyone. I’m used to handling things on my own. Aren’t people who go to therapy weak?

Not at all. People who ask for help know when they need it and have the courage to reach out. Everyone needs help now and then. In our work together, I’ll help you explore and identify your strengths and how to implement them to reduce the influence of the problems you are facing.

Can you work with clients anywhere in the country?

No, therapists can only provide services in the states they are licensed. I am only licensed to work with residents of New York, Florida, or Connecticut. You must live in one of these states in order for us to work together.

How often will we meet?

I meet with the majority of my clients on a weekly basis. I ask that all new clients commit to meeting weekly, for at-least the first 6 weeks. This will allow us to start off on a strong foot, so you can start seeing progress right away. I may recommend that we increase or decrease the frequency of sessions to best meet your needs.

What’s the difference between talking to you or my best friend or family?

The difference is between someone who can do something, and someone who has the training and experience to do that same thing professionally. A mental health professional can help you approach your situation in a new way– teach you new skills, gain different perspectives, listen to you without judgment or expectations, and help you listen to yourself. Furthermore, counseling is completely confidential. You won’t have to worry about others “knowing my business.” Lastly, if your situation provokes a great deal of negative emotion, and you’ve been confiding in a friend or family member, there is the risk that once you are feeling better you could start avoiding that person so you aren’t reminded of this difficult time in your life.

Why shouldn’t I just take medication?

Medication can be effective but it alone cannot solve all issues. Sometimes medication is needed in conjunction with therapy. Our work together is designed to explore and unpack the problems you are experiencing and expand on your strengths that can help you accomplish your personal goals.

What if I’m not ready for therapy but I still want help?

Hey, I get it- talking to a complete stranger can be intimidating! If you aren’t ready, or don’t think you’ll ever be ready there are other options for kicking your anxiety to the curb. There is nothing like working with a professional one-on-one to discuss your specific issues and concerns with, but you can also try taking a course that teaches you strategies for managing your anxiety symptoms. Here is a website that offers this, check it out at: https://www.HeadHabitat.com/?rfsn=6411779.06c0f2. This is also a good option to try even if you do decide to pursue therapy!

How does it work? What do I have to do in sessions?

Because each person has different issues and goals for counseling, it will be different depending on the individual. I tailor my therapeutic approach to your specific needs.

How long will it take?

Unfortunately, this is not possible to say in a general FAQs page. Everyone’s circumstances are unique to them and the length of time counseling can take to allow you to accomplish your goals depends on your desire for personal development, your commitment, and the factors that are driving you to seek counseling in the first place.

I want to get the most out of therapy. What can I do to help?

I am so glad you are dedicated to getting the most out of your sessions. Your active participation and dedication will be crucial to your success.

Good Faith Estimate for Out of Network Services

You have the right to receive a “Good Faith Estimate”explaining how much your medical care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using in-network insurance benefits an estimate of the bill for medical
items and services.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like therapy services, medical tests, prescription drugs, equipment, and hospital fees.
  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
  • Make sure to save a copy or picture of your Good Faith Estimate.