Some of our clinicians are in network with the following health insurance plans and their affiliated plans. If you don’t see your insurance plan here, please contact us for insurance benefit verification.

A purple heart symbol followed by the word "aetna" in purple text.
Modern Health logo with two blue mountain-like shapes and the words "Modern Health" in blue text.
The logo of UnitedHealthcare (UHC) with a stylized blue and gray shield icon and the text 'UHC UnitedHealthcare'.
Northwell Direct logo with colorful geometric squares and blue text.

If we are not in network with your health insurance plan, your plan most likely also has out-of-network benefits.

Your health insurance plan may reimburse 60-80% of your therapy session fees, and many plans will reimburse at 100% after your out of network deductible is met. We can provide you with a monthly superbill to submit to your insurance for possible reimbursement for individual sessions. We will also help you figure out your out-of-network benefits. Please contact us directly with any questions, to discuss fees, or to schedule a free consultation.

How to check your Out-of-Network (OON) Benefit

We are considered an “out-of-network” provider with many insurance plans including Cigna and Anthem/Blue Cross Blue Shield etc. We understand that using out-of-network benefits can feel confusing and time-consuming. To make this process easier, we partner with Thrizer, a platform that helps streamline out-of-network reimbursement. Through Thrizer, you are able to instantly verify your benefits, submit superbills, and reimbursements can be sent directly to your bank account. They’ll handle the insurance submission process so you don’t have to navigate it on your own.

If you prefer to contact your insurance provider to confirm your out-of-network mental health benefits with us, please call the contact number on the back of your insurance card. Here is a list of questions you can ask your insurance provider.

  • A superbill is a detailed receipt for your therapy session. It includes information your insurance company needs, such as the date of service, service code, diagnosis code, provider information, and the amount you paid.

    If you have out-of-network benefits, You pay your therapist up front and then submit the superbill to your insurance company to request reimbursement. Reimbursement is not guaranteed and depends on your specific insurance plan.

    If you don’t want to submit your claims on your own, you can read about and sign up for Thrizer, a service that will do this on your behalf.

  • A deductible is the amount you are responsible for paying first before your insurance begins helping with the cost of your care.

    The deductible amount can vary depending on your insurance plan and the type of service. It also usually starts over each year, often in January.

    You can contact your insurance company to confirm whether your plan has a deductible and when it resets, or we can help check this for you.

  • The allowed amount is the amount your insurance company agrees to recognize for a specific service. This amount may be different from the provider’s actual fee.

    If you are using out-of-network benefits, your reimbursement is usually based on the insurance company’s allowed amount, not necessarily the full amount you paid.

    If the therapist’s fee is higher than the insurance company’s allowed amount, you are responsible for paying the difference.

  • Your therapist’s session fee is $200.

    Your insurance company’s allowed amount for this service is $120.

    If your out-of-network benefit reimburses 70% after your deductible is met, your insurance may reimburse you 70% of $120, which is $84.

    Your estimated out-of-pocket cost: You pay $200 upfront, insurance reimburses $84, your estimated out-of-pocket cost = $116

GOOD FAITH ESTIMATE Information: Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

  • Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit http://www.cms.gov/nosurprises

We also provide Sliding Scale therapy upon inquiry.