ONLINE THERAPY IN NEW JERSEY
Fees & Insurance
Most people hesitate to ask about cost before they've even booked a consultation. Figuring out therapy alongside a full caregiving load, a demanding job, or a first responder's schedule is enough without also guessing at what therapy might cost. Here's what to expect, whether you're paying out of pocket or using insurance.
Melissa Parrish, LPC, ASDCS, CCTP, CGP - Hackettstown, NJ.
I want you to understand the financial side before we ever get on a call.
Center Within Therapy is currently in-network with the insurance plans listed here.
Even within the same insurance company, plans differ. Before we begin working together, I can help you verify your benefits so you have a clearer estimate, not just a guess, of what a session may cost you.
Being in-network doesn't automatically mean therapy is covered in full. Depending on your plan, you may still owe a copay, coinsurance, or deductible.
Copay
A fixed amount you may be responsible for per covered session
Coinsurance
A percentage of the covered session cost you may owe, often after your deductible is met
Deductible
The amount you may need to pay toward covered services before your plan starts sharing costs
What you'll actually owe depends on your specific plan and how your benefits apply to your care.
Insurance Coverage
AT A GLANCE
In-Network Insurance
Aetna
Horizon BCBS
Session Length
53 minutes
Self-Pay
Available when applicable
HSA / FSA
Accepted
Other Insurance Plans
Superbills available
PRIVATE PAY
Self-Pay
Initial Evaluation — $200
60-minute initial session
Individual Therapy — $160
53-minute ongoing session
If you're not using insurance, or if I'm not in-network with your plan, self-pay may be available.
Payment is due at the time of service, and HSA and FSA funds are accepted.
Before we start, you'll receive a clear breakdown of expected costs, including a Good Faith Estimate when applicable.
OUT-OF-NETWORK OPTIONS
USING OUT-OF-NETWORK BENEFITS
If I'm not in-network with your insurance, your plan may still reimburse part of what you pay. I'll provide a superbill you can submit yourself. This document lists the services you received and the information insurers typically need when reviewing out-of-network reimbursement claims.
Reimbursement isn't guaranteed and depends on your plan. Before deciding whether to use out-of-network benefits, it's worth calling your insurer and asking a few questions.
Questions to Ask Your Insurance Company
01
Do I have out-of-network benefits for outpatient mental health care?
02
Is there an out-of-network deductible, and how much have I met?
03
What percentage or amount does my plan reimburse for outpatient psychotherapy?
04
Do I need a referral or prior authorization?
05
How do I submit a superbill for reimbursement?
Helpful to have nearby: Your insurance card and the member-services number listed on the back.
Even with out-of-network benefits, the full session fee is due at the time of service. Any reimbursement is paid to you separately according to your insurer's processing timeline.
WHAT YOUR PLAN MAY COVER
If your insurance plan is out of network with my practice, you can use the secure tool below to receive an estimate of your out-of-network mental health benefits. Results are estimates and are not a guarantee of coverage or reimbursement.
THE DETAILS
PAYMENT & CANCELLATION
PAYMENT
A valid payment method is kept securely on file, and payment is collected at the time of each session.
CANCELLATIONS
Appointments canceled with less than 24 hours' notice are subject to a $100 late-cancellation fee. Late-cancellation and missed-session fees are not billed to insurance and are the client's responsibility.
Frequently Asked Questions
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Yes. Center Within Therapy is in-network with Aetna & Horizon BCBS. Your actual cost depends on your specific plan, including any copay, coinsurance, or deductible that applies. I can help you verify your benefits before your first session, so you have a clearer estimate of what you may owe.
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You may still have out-of-network benefits that reimburse you for part of the cost of therapy. I can provide a superbill for you to submit to your insurance company. Reimbursement isn't guaranteed and depends on your individual plan.
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Self-pay may be an option depending on your insurance plan and circumstances. Some people choose not to use their insurance benefits for therapy, while others prefer to use their coverage when available. If you're considering self-pay, we can talk through the options that apply before you begin.
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Generally, yes. Insurance claims for psychotherapy typically require a mental health diagnosis or other covered diagnosis to establish medical necessity. When insurance is used, information required to process and support the claim is shared with the insurer in accordance with your plan and applicable requirements.
If you choose self-pay and are not submitting claims for reimbursement, insurance billing requirements do not apply in the same way.
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A superbill is a document that includes information about the services you've received, such as the dates of service, service codes, fees, and applicable diagnosis information. You can submit it to your insurance company if you have out-of-network benefits and want to request reimbursement.
Providing a superbill does not guarantee that your insurance company will reimburse you.
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Possibly, but it depends on your circumstances and the requirements of your insurance plan and my contract with that insurer. If you're considering changing how you pay for therapy, we'll review what applies before making the change.
READY WHEN YOU ARE
Still Have Questions About
Cost or Coverage?
You don't need to have every detail figured out before reaching out. A free consultation is a good place to ask questions about fees, insurance, or what working together might look like.