Fees & Insurance

Cost is a reasonable thing to want settled first. Here is what a session generally costs, how insurance and reimbursement work, and how to find out where your own plan leaves you.

Session fee

$250

per session

Sliding scale available

Reduced fees may be arranged. Just ask on your call.

Your first 30-minute consultation is free

Some of our therapists participate in managed care panels, and a reasonable sliding scale may be considered. Both can be discussed on your call.

What you get

What the fee covers

The practice asks that prospective clients get in touch before scheduling, so that fees, insurance questions, and payment options are settled ahead of a first session.

A full session with a licensed psychotherapist

Included

In person at Union Square, or by telehealth

Included

A superbill, provided on request

Included

Care informed by peer consultation across the cooperative

Included

Initial 30-minute consultation

No charge

“Her help was so insightful, empathetic, and liberating for me that we ended up working together for many years. I have grown tremendously.”

John · client of Brannan Piper, LCSW

Insurance

Two ways this can work

Most of our therapists work on an out-of-network basis. Some do participate in managed care panels. Which applies to you depends on the therapist you are matched with, so it is worth raising on your first call.

01

Out-of-network, the usual arrangement

You pay the practice directly for each session. On request we provide a superbill, which you submit to your insurer yourself, and any reimbursement is paid to you rather than to us.

02

Managed care, with some therapists

A number of our therapists participate in managed care panels. Because this varies by clinician and by plan, we prefer to confirm it with you directly rather than list panels that may change.

If you choose to pay privately

01

No diagnosis reported to an insurer

Insurers require a billable mental health diagnosis before paying a claim, and that diagnosis stays on file with them. When you pay privately, that step does not happen.

02

No cap on your sessions

Insurance plans often limit how many sessions they will authorize. Here, the length and pace of your therapy is decided between you and your therapist.

Not sure which of these applies to you? Ask on your free consultation and we will tell you exactly where you stand before you book anything.

Reimbursement

Many clients receive partial reimbursement

If you are working with us on an out-of-network basis and your plan includes out-of-network outpatient mental health benefits, this is how it works.

01

You pay the practice directly

Contact the office to discuss payment options before scheduling your first session.

02

You request a superbill

On request, we provide a detailed superbill: an itemized receipt containing what your insurer needs to process a claim.

03

You submit it to your insurer

Usually through your plan’s app or member portal, following the process your insurer specifies.

04

Your insurer reimburses you

Paid to you rather than to the practice, at whatever percentage your own plan allows.

An illustration

How the arithmetic works

Every plan differs. This hypothetical shows how reimbursement is calculated once a deductible has been met.

Session fee paid to the practice

$250

Amount the plan allows for the service

$185

Plan reimburses 60% of the allowed amount

− $111

Net cost per session

$139

Illustrative figures only. Not a quote, an estimate, or a guarantee of reimbursement. Your allowed amount, reimbursement percentage, and deductible are set entirely by your own plan.

Ten minutes of homework

Six questions that tell you what therapy will actually cost you

Call the member services number on the back of your insurance card and ask these. The answers turn the $250 fee into a real net figure.

Ask your insurer

Have your member ID to hand. Note the reference number they give you.

  1. Do I have out-of-network outpatient mental health benefits?
  2. What is my out-of-network deductible, and how much have I met this year?
  3. What is the allowed amount for an outpatient psychotherapy session?
  4. What percentage of that allowed amount do you reimburse?
  5. Is there a limit on how many sessions you will cover per year?
  6. How do I submit a superbill, and what is the filing deadline?

Not sure how to read the answers? Bring them to your free consultation, or call +1 212-675-8497.

Your right under federal law

Good Faith Estimate

Under the No Surprises Act, you have the right to receive a Good Faith Estimate explaining how much your care will cost. Providers are required to give clients who are uninsured, or who are not using insurance, an estimate of expected charges.

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency services.
  • You can ask any provider for a Good Faith Estimate before you schedule a service.
  • If you receive a bill at least $400 more than your Good Faith Estimate, you can dispute the bill.
  • Keep a copy of your Good Faith Estimate somewhere safe, or photograph it.


To request one before scheduling, call +1 212-675-8497 or email info@nycpsychotherapycoop.com. For more on your rights, visit cms.gov/nosurprises.

If the fee is out of reach

Sliding scale

Consideration for a reasonable sliding scale is available for evaluation, based on your individual circumstances and on availability. It is limited, so we would rather say so plainly than let you assume otherwise.

Raise it during your free consultation, or when you first contact the office. It is a normal question, it is asked often, and it will not affect how you are treated.

Common questions

Fees and insurance, answered

Do you take my insurance?

It depends on the therapist. Most of our clinicians work on an out-of-network basis, which means you pay the practice directly and can use your out-of-network benefits, with a superbill provided on request for possible reimbursement. Some of our therapists do participate in managed care panels. Because this varies by clinician and by plan, the quickest answer is to ask us on your free consultation.

An itemized receipt showing the dates you attended, the services provided, the amount you paid, and your therapist’s licensing details. It contains what an insurer needs to process an out-of-network claim. You submit it yourself, and any reimbursement is paid directly to you.

That depends entirely on your own plan: its out-of-network deductible, its allowed amount for the service, and the percentage it reimburses. Reimbursement is possible but never guaranteed. The six questions under “Check your coverage” will give you your own figures in about ten minutes.

Sessions are $250. The practice asks that you get in touch before scheduling, so that your fee and payment options are settled ahead of your first session.

Yes. The initial 30-minute consultation carries no fee and no obligation to book anything afterward. It exists so you can judge fit before spending anything.

Consideration for a reasonable sliding scale is available for evaluation, based on individual circumstances and availability. Availability is limited, so please raise it when you first make contact rather than assuming either way.

Still unsure what this will cost you?

Ask on a free 30-minute consultation. Bring your insurance questions, and leave knowing where you stand before you spend anything.

Or call +1 212-675-8497, Monday to Saturday, 9 AM to 7 PM

Nyc Psychotherapy Coop

We’re licensed psychotherapists, some with 30+ years’ experience, treating a wide range of concerns. We specialize in depression, bipolar disorder, anxiety, self-esteem, and childhood-origin issues, plus premarital, couples, and family counseling.

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