FEES AND INSURANCE

Because we are an out-of-network provider, reimbursement decisions are made entirely by your insurance company. If your insurer denies or only partially reimburses a claim, you are still responsible for the full session fee. We do not participate in the appeals process but are happy to provide documentation or invoices if you’d like to follow up with your plan directly.

Reimbursement rates vary depending on your specific plan. Many clients receive up to 50–80% back after meeting their deductible. You can get an estimate of your coverage using this form about your exact coverage by contacting your insurance company directly.

Therapy costs reflect not only the time spent in session but also your clinician’s expertise, ongoing training, and the administrative support that allows for thoughtful, consistent care. Our $175 rate remains lower than the NYC average while ensuring that our therapists can continue to provide high-quality, sustainable support.

Yes. Many clients use Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) to pay for therapy. These accounts are designed for qualified medical expenses, and therapy services typically qualify. You can use your HSA/FSA card just like a regular credit card when paying for sessions.

When you complete your registration paperwork, you’ll be asked to keep a card on file. For self-pay sessions, charges are processed on the day of your appointment after the session has taken place. If you’re using in-network Northwell Direct benefits, the amount charged at the time of the session is typically the applicable copay rather than the full self-pay fee.

If you need to cancel or reschedule, we ask for at least 24 hours’ notice. Appointments canceled with less than 24 hours’ notice, as well as missed sessions, may be charged the full session fee. If something unexpected comes up, please reach out to your therapist as soon as possible so you can communicate directly about the change.

Because payment is processed automatically after each session, we don’t send reminders before each charge. However, you’ll always receive a receipt through our secure system for transparency. If you ever need to update your payment information or have a question about a charge, your therapist or our billing team can assist you quickly.

We understand that finances can fluctuate, and we want to support you in continuing care whenever possible. Before deciding to pause therapy, you can talk with your therapist about options such as reducing session frequency or temporarily adjusting your rate based on need and availability. While it’s always okay to take a break if that’s what’s best for you, our goal is to help you find an arrangement that works both personally and financially so you can continue receiving consistent support.

We do not currently offer package rates or prepayment discounts. We believe in a straightforward, session-by-session model that gives clients the flexibility to attend therapy as needed without long-term financial commitments.

Yes. Insight Therapy NYC is in network with Northwell Direct Tier 1. If you plan to use Northwell Direct for therapy, our team can help verify your benefits before care begins. That way, you can have a better understanding of your coverage before moving forward.

Coverage and copays can vary depending on your specific plan. To confirm your eligibility and benefits, please upload your insurance card or contact our team directly. We’ll review your information and let you know what may apply to your plan. Because insurance details can differ from one member to another, we do not rely on generalized estimates.

At this time, there is no dedicated self-serve benefits checker available through our website. To verify your coverage, please send us your insurance information and our team will review it with you. We’ll help confirm your benefits and next steps before care begins. This allows us to give you information based on your specific plan rather than broad assumptions.