Audrey Cleary, Ph.D., ABPP
A note on financing: I do not take insurance. My rates are below. I accept several electronic forms of payment, including credit card.
First session (55-60 minutes) $200
Follow-up sessions (50-55 minutes) $175
Some insurance plans have out-of-network benefits, which means that they will pay for a portion of treatment with therapists and other health care professionals who are not in the plan's network. If your plan has those benefits, then the company would reimburse you for part of the cost of therapy after you have met your deductible. The specific amounts covered vary, depending on the details of your plan. To find out about your insurance benefits, you can call the phone number listed on the back of your insurance card (if there is a separate number for mental or behavioral health, call that one) and ask whether your plan covers services with out-of-network mental health professionals.
- If they tell you yes, you can ask them to clarify:
The deductible you have to meet before out-of-network coverage kicks in, and how much of the deductible you have already met
The percentage of the out-of-network provider's fees that they will reimburse, or the dollar amount or percentage that will be your responsibility
What you will need to do to get reimbursed for out-of-network services
- If they answer no, then your insurance only covers treatment with therapists who take your particular plan. If using insurance is a priority, you can ask them for a list of covered therapists in your area.
Please note that although therapy may seem expensive, it can be very cost-effective. The benefits often continue after treatment ends, because you will have learned about yourself, found new and healthier perspectives, made behavioral changes for the better, and/or developed new ways of coping that you can use any time.