Fees and Insurance Coverage.
We are telehealth only provider.
We accept the following insurances in-network:
Aetna PPO, EPO, and HMO plans
Aetna Student Health
Horizon Blue Cross Blue Shield of New Jersey
Anthem Blue Cross Blue Shield of New York (Empire)
For all other insurances, we are happy to offer courtesy billing, to help you procure a reimbursement for your session fees.
What qualifies as out-of-network insurance coverage?
Health insurance coverage and reimbursement is broken down into two categories: in-network and out-of-network. Typically, when a provider is in-network, it means that they partner with that insurance company to provide its members with therapy sessions. It is a long, arduous, and sometimes not beneficial process for providers to become in-network providers and as such, many opt to provider out of network services instead.
So what are out-of-network services? Your insurance covers the service, minus any co-pays or deductibles. Several health insurance plans provide partial coverage for providers out-of-network providers. If a provider is in network, the insurance plan has a different level of coverage for that provider. The best way to know what portion of your treatment is covered, it’s advised that you contact your insurance provider and ask about reimbursements for the following services:
Psychological Evaluation: 90791
Individual Psychotherapy: 90837
Group Psychotherapy: 90853
Couples or Family Therapy with Client Present: 90847
Couples or Family Therapy without Client Present: 90846
Do I have out-of-network insurance coverage?
By calling the number on the back of your insurance card, you will be able to gather information about whether you have this type of coverage and how much your plan covers. Some insurances have out-of-network reimbursement rates of upwards of 70% of the service cost, but each insurance carrier and plan may vary. To be safe, check with your insurance provider.
What about my annual deductible?
For all medical costs, including the cost of psychotherapy, your insurance will require that you meet your deductible before they pay out any reimbursements related to your care. Check with your insurance to see if out-of-network costs are factored into your deductible.
Does my flexible spending account or health savings account (HSA) cover therapy sessions?
Most FSA and HSA plans cover the cost of psychotherapy services. You can submit a claim through your FSA or HSA portal to receive reimbursement for your sessions.
How do I get reimbursed?
Our practice will offer you a superbill after the completion of your session. You can download this document within your patient portal and submit it to your insurance for reimbursement.