The Therapy Mom
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Guides

Paying Privately and Using Out-of-Network Benefits

You deserve clear cost information before adding therapy to your week.

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The short answer

Private pay means you pay for your sessions directly. A superbill is a detailed receipt you may submit to your insurance for out-of-network reimbursement. Coverage depends on your plan, so a superbill does not promise money back. I am in network with Northwell Direct.

Step 1

Understand the session fee

  1. Individual work

    Individual therapy is $175 per session. The work focuses on counseling, coping skill development and goals chosen together. You pay directly rather than assuming your plan will pay me.

  2. Couples and family work

    Couples therapy and family therapy are each $195 per session. Family work may include some individual time with members alongside full family meetings. Ask about the planned type of work.

Step 2

Ask your insurance plan

  1. Coverage and deductible

    Ask whether you have out-of-network mental health coverage, whether a deductible applies and how much remains. Also ask how the plan calculates any reimbursement, which may differ from the session fee.

  2. Submitting a claim

    Ask what details your plan needs, how to submit the superbill and whether there are deadlines. Keep the answer somewhere you can find it without relying on memory during a busy week.

Step 3

Keep the paperwork clear

  1. What a superbill contains

    It is more detailed than a basic payment receipt and includes clinical and service information used for an insurance claim. We can discuss what is included and any privacy questions you have.

  2. What remains your responsibility

    You submit the claim according to your plan’s instructions and follow up with the insurer. The session fee remains due even if reimbursement is delayed or the claim is not covered.

Working Together

How I can help

I can explain my fees and provide superbills for out-of-network reimbursement. Your insurer is the source for your specific benefits, claim rules and any reimbursement decision. I cannot confirm coverage just from the name of a plan.

I offer 45 to 50 minute video sessions for clients located in New York State, with day, evening and weekend times to discuss. A free 20 to 30 minute consultation is a chance to ask practical questions before deciding.

Rates and Insurance

Your Own Priorities

Questions to ask yourself

  1. 1.

    What can I budget if my plan does not reimburse any part of the fee?

  2. 2.

    Have I checked the deductible and the steps for submitting a claim?

  3. 3.

    What billing questions would I like to bring to the consultation?

Questions

Frequently Asked Questions

Does a superbill guarantee reimbursement?
No. Your plan decides whether a claim is covered and how much it pays. Ask about out-of-network mental health benefits before assuming the receipt will lead to payment.
Are you in network with Northwell Direct?
Yes. Mention your coverage during the consultation so we can discuss billing. Check your benefits with your plan rather than assuming every service has the same coverage.
What if I need to cancel?
Please give at least 24 hours notice to cancel or reschedule. Sessions canceled with less than 24 hours notice are charged at the full fee because the time was held for you.

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Clear questions are welcome.

We can talk about fees and paperwork before you choose to begin.

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