Sessions are scheduled for one hour.

We will spend about 50-55 minutes together doing counseling and psychotherapy.

The remaining time is used for administrative and record-keeping purposes (e.g., scheduling, payment, writing clinical notes of our work, generating documentation for your health insurance benefits, etc.).

I'm in-network with Aetna, Cigna, and Horizon BCBS NJ.

If I am in-network with your health insurance plan, the cost of our sessions depends on your plan's benefits (e.g., $20 copayment per session).

Otherwise, my rate is $200 per session.

If I am out-of-network with your health insurance plan or you wish to pay out-of-pocket (i.e., you don't want to use health insurance).

• • Many health insurance plans have out-of-network benefits for psychotherapy (e.g., a 30% coinsurance for out-of-network providers). The rate at which insurance companies reimburse for out-of-network claims varies by plan and by carrier.

  • Example: if you have a 30% coinsurance with UnitedHealthcare, you would pay $200 (i.e., my rate) at the time of our counseling session and then submit a claim to UnitedHealthcare along with an invoice to be reimbursed $140 by UnitedHealthcare. Your total cost in the end is $60!

  • We will provide all the necessary documentation (e.g., a detailed invoice) for you to submit a claim for out-of-network services.

Questions to Ask Your Health Insurance

This is a useful document that includes my practice's identifying information, which you can use to call your health insurance to verify whether I am in-network or out-of-network with your plan and what your benefits are. Please strongly consider using this document and calling your health insurance plan! It will greatly clarify your benefits and the cost of counseling before we start working together.

My goal is transparency and clarity

Although I hope the above makes things easily understood, if you are still left with questions, please know that I am more than happy to discuss all of these details during a consultation. Navigating health insurance benefits or payment for counseling services in general can be confusing, and I am happy to clarify this with you! Counseling for Change also recognizes individuals in need who struggle financially and a sliding scale rate is available in a limited number of specific cases.