Q: How do I pay for services? Do you accept insurance?

A: I accept Aetna (NJ clients only) and Private Pay (credit card or Venmo). Fees vary depending on the type and duration of service.

*If using Aetna Insurance, in-network claims will be submitted and you will be charged your co-pay / remaining deductible for services.

**For Private Pay clients, you will be charged for sessions monthly and provided a Superbill (therapy receipt) to submit to your insurance company for possible out-of-network reimbursement.

Q: What if I can’t afford your private pay fee?

A: I work with every client individually to determine a fair rate. My goal is to provide a competitive fee based on my experience and expertise in the field. I also offer sliding scale fees, meaning a reduction in my rate based on economic need only. (Please be honest about your financial aid needs if requesting a discount so that I can provide fair equity for all my clients).

Q: Can I still use my insurance benefits if I’m private pay?

A: I’m in-network with Aetna ONLY and out-of-network with all other insurance companies. This means that your insurance company may partially cover sessions if you have out-of-network benefits. I encourage you to call member services on the back of your insurance card and ask the following questions:

• “Do I have out-of-network benefits for behavioral health?”

• “What is my deductible? Have I met it yet?

• “What is the out-of-network reimbursement for these CPT procedure codes?”

  • 90791 - Initial Evaluation

  • 90834 - Individual Psychotherapy Session

  • 90846 & 90847 - Family Psychotherapy Sessions, with or without client present

  • 90853 - Group Therapy

• “How do I submit a Superbill for reimbursement?”

Q: Why should I choose you over an in-network provider who accepts my insurance?

A: Looking for an in-network therapist can be beneficial financially, but there are also limitations in treatment. Consider these possibilities:

• Insurance companies can dictate how many sessions are allowed without considering what is best for you and your mental health needs.

• Insurance may choose to deny services after they’ve already been completed, leaving you responsible for full payment.

• Insurance may try to obtain your private medical records to determine “medical necessity” in order to pay for services, limiting your privacy.

• If you have out-of-network benefits that cover you at a reasonable rate, you could end up paying similar prices as you would in-network.

• By opting for an out-of-network provider of your choosing, you can have more control of your healthcare decisions.