Choosing Between
 Private Pay & Insurance
Clear Comparisons. Informed Decisions. Greater Confidence.
Insurance Plans We Accept
The following insurance plans are accepted for eligible individual therapy services only. We do not accept insurance for any other therapy services.
- Aetna
- Optum (Oxford, UMR, Oscar Health, and AvMed)
- United Healthcare
- Florida Blue
- Cigna
- Blue Cross Blue Shield of Massachusetts
- Carelon Behavioral Health
- Horizon Blue Cross Blue Shield of New Jersey
- Quest Behavioral Health
- Anthem BCBS of NY
- Curative Health Plan
Coverage, deductibles, copays, and eligibility vary by plan.
Private Pay vs. Insurance
Both options have advantages and limitations. Understanding the differences can help you choose the approach that best fits your needs and goals.
Private Pay Clients
Greater Flexibility
You and your therapist decide the frequency, focus, and pace of therapy based on your needs rather than insurance requirements.
More Privacy
Private pay does not require a mental health diagnosis or the sharing of treatment information with an insurance company.
Flexible Treatment
Therapy can focus on personal growth, relationship concerns, life transitions, stress management, and other goals without insurance limitations.
No Diagnosis Required
Many clients seek therapy for support, insight, and personal development rather than treatment of a diagnosable mental health condition.
Individual & Couples Therapy
Private pay is available for all therapy services. Insurance is accepted only for eligible individual therapy services. Couples therapy, marriage counseling, and family therapy are offered on a private-pay basis.
Insurance Clients
Use Existing Benefits
Eligible individual therapy services may be covered by your insurance plan, helping reduce out-of-pocket costs.
Lower Upfront Cost
Depending on your deductible, copay, and benefits, insurance may make therapy more financially accessible.
Diagnosis Typically Required
Insurance reimbursement generally requires a mental health diagnosis and related clinical documentation.
Insurance Guidelines Apply
The use of insurance may involve specific requirements regarding documentation, treatment planning, and reimbursement.
Individual Therapy Services
Insurance is accepted for eligible individual therapy services. Couples therapy, marriage counseling, and husband-and-wife co-therapy services are offered on a private-pay basis.
Both options can be effective. Understanding the differences in cost, privacy, flexibility, and treatment approach can help you choose the option that best fits your needs.
