The Cost of Therapy Sessions and Insurance Coverage
COVID-19 Crisis. We can reduce our fees for couples and individuals who need a lower fee during this difficult time. If a reduced fee would help, please let us know.
Doctors, nurses, hospital workers and other front line heros/workers please let us know if counseling would help. We thank you for your sacrifice and hard work during this pandemic.
An important consideration for many people seeking therapy or counseling are the fees and insurance coverage. We will try to help you understand what types of services are covered and some that may not be.
COVID-19 Crisis. We are reducing our fees for April-May 2020 (and into the summer if needed) for couples and individuals that need a lower fee to get help during this difficult time.
Experience & Compassion
Debra Feinberg LCSW
Candice Ebbesen LMFT
Daphne Berkovits LMFT
Debra Feinberg LCSW --
Candice Ebbesen LMFT
Daphne Berkovits LMFT
How Are Payments Made?
People use credit cards to pay for sessions ( appointments are confirmed with a credit card and sometimes people bring in cash or check as well). We can supply a receipt to submit to your insurance for reimbursement. We are out-of-network providers for people that have those benefits for individual and family psychotherapy (explained below). Please note that marriage counseling, couples therapy and most types of relationship counseling are generally not a covered service for most insurance plans. Insurance information explained below.
Most traditional sessions are 45 minutes, but some couples request longer, double “intensive” sessions (90 minutes) because they know they need more time, at least initially. Intensive sessions are twice the cost of traditional sessions. Interested in longer/intensive sessions? See below **.
Please call 973-902-8700 for more specific fee information and available sessions. We sometimes can accommodate same day, evenings and weekend appointments if our schedule allows.
Does Insurance Cover Sessions?
Does insurance cover marriage counseling and couples therapy? Insurance typically does not cover marriage or couples therapy or premarital counseling. However, if one of the participants has a medical diagnosis that requires the therapy (such as anxiety or depression), then insurance might reimburse you a percentage for treatment for family psychotherapy. Insurance companies do not view marriage counseling or couples therapy as a medical diagnosis.
To find out if you are covered, you must speak directly with your insurance company. Here are the questions you should ask:
- Does my insurance cover the service you are looking for (i.e. marriage counseling, couples counseling, premarital counseling)
or if you have a medical diagnosis such as anxiety or depression,
- Does insurance cover “psychotherapy” or “family psychotherapy” with an out-of-network provider?
- If so, what is my deductible?
- After my deductible is met, what is the percentage of Maplewood Counseling’s fee will be reimbursed (what is the co-insurance)?
Please note that marriage, couples and premarital counseling is rarely, if ever covered.
How Does Maplewood Counseling Handle Insurance?
Although the fee is charged at the time of service, we can, as a courtesy, provide a receipt to submit to your insurance (and/or and HSA/FSA account) and if you get a reimbursement based on your coverage, your insurance company will send a check to the address on file.
How Does Maplewood Counseling handle payment for my sessions?
Everyone enters, securely, a credit card which is charged at the end of each visit by the billing office. We will gladly supply you with a receipt to submit your HSA or FSA if you have one. If you are covered for the service through your out-of-network benefits, you may receive reimbursement from your insurance company.
Longer Intensive Sessions
** Interested in Longer 90 minute Intensive Sessions? Learn about our “intensive” sessions HERE.
Please call us for more information.
Want to Schedule a Session or Have Questions?
Get in touch and let us what you need help with now.
Our office is located in Maplewood Village in Essex County, but we also help people who live in Union, Sussex, Bergen and other NJ counties.