THERAPY FEES & RATES
Here are fees to help you know what to expect financially. This information is not only helpful, but vital in helping you make wise and informed decisions about your therapy. We also do this to save you time. We know and respect how valuable time is for us all.
The fee for therapy is $200 for a 45 minute psychotherapy, couples therapy, or marriage counseling session. Your actual cost for therapy may be significantly lower than the fees you pay to us. This is because your insurance company may reimburse you for a portion of the fees that you pay for therapy.
You can call your insurance provider to determine what your actual cost of therapy will be and see if you have” out of network coverage for psychotherapy”. Please let us know if we can help in understanding that information once you get it from your member services. We’d be glad to help.
Appointments are available mornings, afternoons, evenings and weekends depending on availability.
CALL FOR A FREE AND QUICK PHONE CONSULT
CALL 973-902-8700 OR EMAIL NOW
We accept the following forms payment:
HSA/FSA credit cards ( Health Saving Account or Flexible Spending Account )
Major Credit Cards
Many people ask if we accept Aetna, Cigna, BCBS (Horizon Blue Cross Blue Shield), United Healthcare and other insurance companies. Debra is accepted by all insurance companies as an Out-of-Network Provider. You can call your insurance member services and ask if you have coverage for psychotherapy out of network. About 60% of individuals and couples we work have this type of coverage and others pay out of pocket for sessions. Your insurance may reimburse part of your sessions (sometimes up to 80%) if your plan benefit includes out-of-network coverage for psychotherapy.
Payment is made at the time of the appointment and as a courtesy, and claims can sometimes be submitted electronically if you provide the information. If there is coverage, your insurance company will send a check directly to you depending on your benefits. A claim can also provide you with a claim statement to submit to your insurance if you prefer to handle claims yourself. In the past, clients have gotten between 50-80% reimbursement (if they have out of network coverage for psychotherapy) and/or it is applied to a deductible; it depends on your particular plan. Insurance can be confusing so feel free to call 973-902-8700 if you need help understanding how the insurance works.
(note: insurance may not reimburse for double sessions or two sessions in one day)
Starting Therapy for the First Time
I know it is not easy for people who are looking to start therapy for the first time, especially with someone you don’t know. I’m compassionate, warm, nonjudgmental and work to create a safe place for each individual and couple looking for help. Fee free to call 973-902-8700 or email me if that’s easier for you.
I looking forward to talking with you.