Insurance &Fees

Our practice is in-network with the following carriers and networks: 

• BCBS/Horizon
• Cigna
• Aetna
• Medicare - Traditional only, excludes Advantage plans
• Victims of Crime and Compensation (VCCO) 
• Lyra (EAP) - check with your employer if Lyra is an offering

              *We are not in-network with Medicaid/NJ Family Care* 

*Although the practice is in-network with the plans above, our therapists may participate with all or some of these plans. Please verify that your therapist is in-network with your plan by visiting their page on our website under "Our Team". If a therapist is not in-network with your plan, services can be processed "out-of-network" or private pay (upon request). 

Insurance can be quite confusing at times! That's where we come in and hope to educate our clients on their plans and how to utilize them for behavioral health services. 

Our practice is "in-network" which means that we can file claims on your behalf with specific insurance plans. At times, a plan may have a co-pay (a set payment amount), co-insurance (a percentage of the provider's contracted rate), and a deductible (100% of the contracted rate). These rates are not our out-of-pocket rates and may vary based on insurer. We provide a courtesy benefits check during the paperwork and onboarding process for new clients. 

*We are not able to verify benefits for those that are not established clients yet. 

If our practice is not in-network with your insurance and your plan offers "out-of-network" benefits, you may still be able to file a claim! Here are the steps: 

1. Clients pay our full rate for services upfront.

2. We provide a superbill monthly for you to submit to your insurer.

3. You receive a percentage back of your payment from the insurer. *Varies by plan

A good faith estimate is always provided to our clients for out-of-network or private pay.

At times, clients may request "private pay" which means they pay the full rate without going through insurance or submitting any superbills.  Here are reasons why some decide private pay works for them: 

• When you opt to utilize insurance, you agree to share personal details such as a diagnosis to be shared with insurance companies. Private pay allows for complete privacy, so details are not shared with the insurance companies unless requested by you.
• Increased flexibility in length, frequency, and type of therapy sessions without the constraints of insurance regulations. 
• Tailored care without the need to meet insurance-dictated criteria or diagnoses for services to be covered and paid for. 
• Some employers (specifically in law enforcement, aviation, or the military) may require access to medical records which could influence employment. Similarly, when applying for life or disability insurance, the presence of a mental health diagnosis might be considered when assessing risk. 

Fully licensed therapist (LCSW/LPC): $200.00

On occasion we receive requests outside of our clinical services that are not billable through insurance. This may include but are not limited to letters (of any kind), court appearances, depositions, or consultations with third parties that extend beyond a 5–10-minute phone call. Your provider will review these requests on a case-by-case basis. Occurrences such as missed sessions or cancellations under 24 hours also incur fees. These services are not covered by insurance and are subject to specific fees set by the practice.