We now accept the following In-Network Plans: United Healthcare through Oxford, UMR & UHC Resource Plans

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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 $125 and $160 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.

We now accept the following In-Network Plans:

United Healthcare through Oxford, UMR & UHC Resource Plans

For these plans you will pay your assigned co-pay through your insurance carrier

*We do not accept United Healthcare Plans thorough Medicaid or EAP

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 are in-network with certain UHC plans, please see above in the ” what is the cost of therapy section?”.

For out of network plans, 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
  • Value Options
  • Magnacare

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.  People using in-network plans through accepted UHC plans will pay their designated co-pay.

We are registered as an out-of-network provider with most major insurances. For patients using out of network plans we will contact your insurance company for you and email you an estimated breakdown of what % of the session fee they will cover for you. 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. If you are utilizing a plan with out of network benefits please plan to pay the therapist’s discounted out of pocket session fee and then the agreed amount outlined in your estimate. If any changes occur with your plan our billing department will contact you via email from billing@holisticmentalhealthnyc.com.

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”. In most cases this is not a bill. You can ignore it and throw it away or keep it for your records. If you owe us any money we will contact you directly via email.

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