Most insurance companies that provide behavioral health benefits have some sort of patient financial responsibility. This could be in the form of a co-pay or co-insurance amount per session after any deductibles are met. This lessens the your own financial burden when receiving therapy services. However, paying for psychotherapy out of pocket minimizes the exposure of your protected health information. Whenever you use insurance benefits to cover psychotherapy, it is necessary to release certain types of information to the insurance carrier for the following reasons:
- in order to verify your eligibility for coverage
- pre-authorize services (if applicable)
- to process claims to obtain payment
- provide information to prove medical necessity for your treatment
When using your insurance benefits for mental health, you would have to be assigned a psychiatric diagnosis to justify the medical necessity for the services provided. Once such diagnosis code is recorded by the insurance, it becomes part of your health care record and could potentially compromise your ability to get current or future life, health, disability, or long-term care insurance .
If you chose to Self-Pay, your therapy remains completely private with the exception of some situations where it is mandated by law that certain information be released. No reports of your treatment are shared with your insurance and all records remain within the therapists practice only.
There are certain types of therapy that may not be covered by your insurance, such as relationship or couples therapy or group therapy, and certain modalities of therapy, Self-Pay allows you to stay in control of your treatment. Self-pay allows you to also determine the length of your treatment based on your needs rather than on the basis of the allotted session benefits.
Which ever method you chose, we will be happy to work with you to submit any information required.
$90-$120 per 50-minute session
$120/hr for Hypnosis. Some package rates are available.
Services may be covered in full or in part by your health insurance or employee benefit plan. Hypnosis is not covered by insurance. 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?
- Is pre-authorization needed?
- Is approval required from my primary care physician?
Horizon Blue Shield, Horizon Blue Cross NJ, Capital BC/BS, TriCare, Medicare, Value Options, MHN, Value Options, MHN, GHI, APWU, Out of Nework, and many more.
Reduced fee for services are available on a limited basis for those who do not have, or do not want to use insurance for treatment. If you have any questions or concerns about this, we will discuss them with you on a case by case basis.
Cash, check and major credit cards accepted for payment and are due at time of session for any copay or out of pocket amounts.
If you do not show up for your scheduled therapy appointment, and you have not provided at least 24 hours in advance, you will be required to pay for the missed appointment.