Teenager on Laptop


General Questions

Why choose online therapy?

With the ever-changing circumstances in the world around us, you can trust that meeting with your therapist online will remain a constant.

Wherever you are, whatever your schedule is like, your therapist will be just one click away. No traveling, no waiting rooms, and no worrying about the weather.

You can enjoy the convenience of meeting with your therapist from the comfort of your own home while drinking coffee out of your favorite mug :)

What to expect from the first therapy session?

You don’t need to do anything to prepare for the session, just be yourself. Your therapist may ask you a few questions to get to know you better and get a general idea of why you came to therapy, what you’re hoping to get out of the experience, and if you like you can begin to form the goals that you would like to set for therapy.

What is the cost of therapy?

A typical discounted rate is between $100 and $150 per session for self pay patients. If you would like to use your insurance plan to cover some of the cost, please see our Insurance Information section below.

How does payment work?

Clients are responsible for full payment of our agreed-upon fee-for-service at the beginning of each session by credit card which is stored securely in your client portal. You may access this information anytime through your client log in.

Insurance Information


Do you accept insurance?

We are an out of network provider with most insurance companies


We accept payment directly from most insurance providers as long as your plan has out of network benefits. Patients are still responsible for their co - insurance fee ( this is not a co-pay, please see below for more about co-insurances).

Insurance providers that typically DO offer out of network benefits that are used at our practice and may discount the cost of therapy:

  • Emblem Health / GHI

  • Beacon ( usually connected to Emblem / GHI Plans

  • Cigna

  • Aetna

  • Empire BCBS

  • United HealthCare / Oxford

  • Value Options

  • Magnacare

Insurance Companies we are in network with (you only pay a co-pay):

Magnacare Local 810 I.B.T Plans only

Insurance providers that do not offer out of network benefits and cannot be used at our practice:

  • Medicaid and Medicare Plans (Emblem Health Enhanced Care, Health First, Health Plus, BCBS through Medicaid, Community Plan)

  • HMO Plans

  • 1199 Plans

What Are Out-of-Network Benefits? 

Out-of-Network benefits are the rules that your health insurance policy sets that stipulates how much your health insurance company will pay for out of network services. Your insurance company decides what CPT codes ( specific services ex: 90791 Psychological Assessment) are covered, if you have a deductible for the year, and the number of sessions covered by this portion of your insurance plan.

Out of network means your insurance will discount the cost for you, roughly 30-75%  as long as your deductible has been met. 

What is the cost per session? What's the difference between a co-pay and a co-insurance payment?

Co-pays are a set amount that the patient pays to an in-network provider.  We are registered as an out-of-network provider with most major insurances.


If you are using your plan's out of network benefits, instead of paying a co-pay, you will pay a co-insurance. Your coinsurance is the amount you will pay per session based on the specifics of the out-of-network benefits of your health insurance plan.


Typically, out of network plans will cover between 30%- 75% of your therapist’s session fee; the remaining balance is the patient’s responsibility to pay and is called your co-insurance. We will provide you with a verbal estimate based on our experience with your insurance company, at the time of booking your appointment. We will also e-mail you a more detailed estimate after we speak with your insurance company, roughly within 1 week of your initial appointment. Once we receive a written explanation of benefits from your insurance company about 3 weeks after your first session, we will let you know if any changes apply to you payment schedule.

What's a deductible?

Your insurance determines an amount that you need to meet before they start chipping in for therapy. It is an out of pocket cost on your end. This is called a deductible. 

Once you meet this, they will begin discounting your therapy.

How much do they discount it?

Great question. This is based on your “allowable” amount. Which  is the amount that your insurance determines that they will subtract from your deductible each time you have a session until your deductible is met (equals 0).





Let’s say, your deductible is 200 and your “allowable “ is $50. 


You will pay the discounted therapy rate of 100 per session, and each time you pay for a session, your insurance subtracts ALLOWABLE amount off of the deductible. (50). Which means, your deductible will decrease by $50 each time you pay for a session.


In this scenario, your deductible would be met ( at 0 ) after your 4th session. After you meet your deductible, The insurance will now apply the ALLOWABLE amount to the cost of therapy.  So it will subtract the $50 from your discounted session rate of 100 per session. You then pay the $50 per session for the rest of the calendar or service year. 


Essentially, after your deductible is met, your allowable amount starts getting subtracted from your insurance. 


What if my insurance company sends check directly to me to pay for therapy? 

In this scenario we will determine a discounted rate for you to pay up front and your insurance will mail you a check directly to reimburse you. If there is any balance you owe from the insurance check was sent to you, you will receive an email from our billing department letting you know that the excess amount after you have been reimbursed will be debited and what day to expect the debit. Keep in mind, our billing team always keeps you informed on this, any time we receive new information.

l Think I Received a Bill, What Is This? 

Sometimes insurance companies will mail you or electronically send you a document called an Explanation of Benefits. It may list previous dates of service and list amounts that they consider your “patient responsibility”. This is not a bill. You can ignore it and throw it away or keep it for your records.