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Cost & Info

INSURANCE 

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Most PPO insurance plans are accepted for our licensed therapists, though coverage may vary based on the individual provider.

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For the most accurate information, please check your therapist’s profile page to confirm which insurance plans they accept.

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See below for a general list of accepted plans by state.

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New York

  • Aetna

  • Blue Cross Blue Shield (BCBS)

  • Cigna

  • Oscar

  • Oxford

  • United Healthcare

  • Optum affiliates

 

Florida

  • Aetna

  • Cigna

  • United Healthcare

  • Optum affiliates

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New Jersey

  • Aetna

  • Cigna

  • United Healthcare

  • Optum affiliates

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North Carolina

  • Aetna

  • Quest Behavioral Health

  • BCBS

  • Carelon

  • Cigna​​

  • United Healthcare

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OUR-OF-POCKET RATES

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If your insurance provider is not listed, please don’t hesitate to reach out—we’re happy to check your benefits and clarify in-network eligibility.

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If we are not in-network with your plan, we offer the following private pay options. Rates vary based on the therapist’s experience and training:​

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  • $130–$225 per 53+ minute session

  • $110–$195 per 45-minute session

  • $165–$250 per Family/Couples session

 

PAYMENT 


All major credit cards and HSA/FSA is accepted for payment.

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CANCELLATION POLICY 


We require at least 24 hours advanced notice or you will be required to pay a late cancellation fee for the session.

 

TELETHERAPY

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Our therapists provide virtual sessions only, available for residents in the states of New York, New Jersey, and Florida. We use a secure HIPAA-compliant platform, to conduct these video sessions. You can easily connect with us using your computer, tablet, or phone.

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Considering Out-of-Network Options?

How to Check Your Out-of-Network Mental Health Coverage If you’re considering using out-of-network benefits to work with us, we recommend calling the member services number on the back of your insurance card. Here are key questions to ask your insurance provider:

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  • Do I have out-of-network benefits for outpatient mental health services?

  • Is there a deductible I need to meet before reimbursement begins? If so, how much has been met so far?

  • What percentage of each session fee is reimbursed after I meet my deductible?

  • How many mental health sessions are covered per calendar year?

  • Do I need a referral or prior authorization for out-of-network therapy sessions?

  • Where should I submit superbills or claims for reimbursement?

  • Are telehealth (online therapy) sessions reimbursed under my plan?

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Understanding these details can help you estimate your potential out-of-pocket costs and ensure a smoother reimbursement process. If you need help interpreting your benefits, we’re happy to walk you through the process.

© 2023 Creative Resilience Mental Health Counseling. All rights reserved.

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