The Cost of Therapy Sessions and Insurance Coverage
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.
Rates For Individuals, Marriage Counseling, and Couples Therapy
Fees range from $200 to $300, depending on which therapist you see and length of session, which is explained below. We can supply a receipt to submit to your insurance plan for reimbursement (insurance information explained below).
Experience & Compassion
Debra Feinberg LCSW
Daphne Berkovits LMFT
Candice Ebbesen LMFT
Debra Feinberg LCSW – $235-$300 (Appointments days, evenings and weekends, same day when available)
Candice Ebbesen LMFT – $200 (Appointments evenings when available)
Daphne Berkovits LMFT – $200 (Appointments evenings and Tuesday mornings when available)
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?
Please feel free to get in touch and let us what you need help with now.
Frequently Asked Questions FAQs
How do I/we know we need counseling?
Wondering if couples, marital or individual therapy will help? There are many issues that couples and individuals are dealing with that will benefit from counseling. It may be hard to figure out whether you can resolve these problems on your own or if they need professional help.
Consider your answers to the following questions.
- Are you or your relationship suffering?
- What are your major concerns at this time?
- Are you struggling to cope with these issues or problems?
- Has nothing worked to improve the situation?
What services do you offer?
The counseling services we offer include the following:
- Individual therapy
- Couples Therapy
- Marriage Counseling
- Family Therapy
- Premarital Counseling
- LGBT Gay Counseling
- Multicultural Counseling
- Mixed Raced and Interfaith Relationships
- Issues with Family and In-Laws
- Mindfulness Therapy for Anxiety, Depression and Relationships
How much will counseling cost?
For any type of counseling to be effective it does require a commitment of both time and finances. An important question to ask is whether or not you can afford to delay getting yourself or your relationship the help you need.
We can help to make this possible in a couple of ways.
We are able to take credit cards as well as HSA Health Savings Account or FSA cards (at times).
We can also explain how to get insurance reimbursement for out-of-network mental health services if you have those beneifts.
Do you take insurance?
Maplewood Counseling is insurance friendly.
We can often help you to use your insurance to offset the cost of therapy. Some of this depends on your particular benefits, yearly deductibles and reimbursement rates. Insurance typically does not cover any type of relationship, marriage or couples counseling since they do not view this as a mental health or medical diagnosis.
We can give you the information you need to check your benefits and find out if you can be reimbursed a percentage for our services.
Due to the cost and investment of counseling, it makes sense to call your insurance company and out if your medical benefits will cover or reimburse mental health counseling.
How long will I or we need counseling?
This is an understandable and common question. It is tough to determine how long counseling will last without knowing more about your situation.
Because we understand it does take a commitment of time and finances, we like to focus on helping couples, families and individuals in the shortest amount of time possible. However, some issues are more complicated and difficult and may require a longer treatment time.
Your counselor will remain in close communication with you to make sure your needs are being met. We want you or your relationship to feel you are making positive changes, whether you come for 4 sessions or 24 sessions!
I/we have other questions...
Please use our Contact Page to get in touch with any questions you might have.