Insurance-Friendly Care

Insurance & Fees

We want therapy to feel clear and accessible from the start. Most of our clients use insurance, and our team works with several major plans in New York. We also offer private-pay options. We will walk through costs before you begin so there are no surprises.

Get StartedInsurance Questions? Reach Out

Insurance-friendly care, with clarity from the start

Understanding therapy coverage can feel confusing, especially when you are already carrying a lot.

We try to make the process simpler. When you reach out, we can help you understand whether we participate with your plan, what your likely costs may be, and which clinicians may be the best fit based on coverage, availability, and what you are looking for in therapy.

Insurance and availability matter because therapy has to be reachable. We hold those details alongside clinical fit, therapeutic style, identity-affirming care, and the deeper patterns you are hoping therapy can help you understand or change.

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Insurance plans we're in-network with

Our clinicians are in-network with these plans in New York:

  • Aetna
  • Anthem / Empire BlueCrossIncludes Excellus, Highmark, and out-of-state BlueCard plans
  • Carelon
  • Cigna
  • EmblemHealth
  • MagnaCare
  • Meritain
  • NYSHIP / The Empire Plan

Cameron is also in-network with:

  • NYCE PPO — Cameron only
  • United HealthCare / Optum — Cameron, or Ryn with out-of-network benefits
  • Oxford — Cameron, or Ryn with out-of-network benefits
  • Oscar — Cameron, or Ryn with out-of-network benefits
  • UMR — Cameron, or Ryn with out-of-network benefits

Ryn can also see clients with United HealthCare / Optum, Oxford, Oscar, or UMR who have out-of-network benefits: Ryn bills out-of-network, and you pay your in-network copay.

Because your specific plan still shapes your costs, we will help you confirm your benefits as part of the intake process.

We are not in-network with MetroPlus, Medicaid, or Medicare plans. Private-pay and sliding-scale options are available.

Private-pay therapy

For clients who are not using insurance, we also offer private-pay therapy.

Fees can vary depending on the clinician and the type of service. We will review this with you before you begin so you have a realistic sense of your options.

Sliding-scale rates are available and set with your circumstances in mind: $75–$250 per individual session with a licensed clinician ($75–$150 with a supervised clinician), and $100–$350 per couples session with a licensed clinician ($100–$200 with a supervised clinician).

Individual Therapy (Licensed)Full fee$200–$250Sliding scale$75–$250
Couples Therapy (Licensed)Full fee$250–$350Sliding scale$100–$350
Supervised Clinician — IndividualFull fee$150Sliding scale$75–$150
Supervised Clinician — CouplesFull fee$200Sliding scale$100–$200

Looking by insurance plan?

Our insurance hub has more plan-specific starting points for clients searching by network.

AetnaCignaCarelonEmblemHealthAnthemUnited HealthCareNYSHIPMagnaCare

A note on matching and coverage

Participation varies by clinician and plan.

Cameron, Ryn, Zaire, and Michelle are in-network with EmblemHealth; coverage varies by plan.

Part of our matching process includes helping you find a clinician whose availability, style, and insurance participation line up as closely as possible with what you need.

Coverage is important, but it is not the whole story. We also pay attention to relational fit, clinical focus, and whether a therapist's way of working feels aligned with the kind of care you are seeking.

Out-of-network options

If we are not in-network with your plan, or if you prefer to work with a clinician outside your network, out-of-network benefits may still be available.

Depending on your plan, you may be able to receive partial reimbursement for therapy. We can provide the documentation you may need and help you think through whether this route makes sense for you.

How Superbills and Out-of-Network Reimbursement Work

What we help you understand before you start

  • Whether we participate with your insurance plan
  • Possible copays, deductibles, or out-of-pocket costs
  • Which clinicians may be available through your coverage
  • Whether out-of-network or private-pay options make sense

Our goal is to make this part of the process feel straightforward, not confusing.

Insurance & fees FAQ

These are some of the questions people often ask when they are trying to understand insurance, costs, and how matching works before starting therapy.

Do you accept insurance for therapy in New York?

Yes. We are in-network with Aetna, Anthem / Empire BlueCross (including Excellus, Highmark, and out-of-state BlueCard plans), Carelon, Cigna, EmblemHealth, MagnaCare, Meritain, and NYSHIP / The Empire Plan. Cameron is also in-network with NYCE PPO, United HealthCare / Optum, Oxford, Oscar, and UMR. Ryn can also see clients with United HealthCare / Optum, Oxford, Oscar, or UMR who have out-of-network benefits: Ryn bills out-of-network, and you pay your in-network copay. Coverage can vary by your specific plan, so we help confirm your benefits as part of the intake process.

How do I know what therapy will cost before I start?

Before you begin, we help you understand whether we participate with your insurance, what your likely copay, deductible, or out-of-pocket cost may be, and which clinicians may be available through your coverage. Our goal is to make costs feel clear before your first session.

What if my therapist is not in network with my plan?

If we are not in-network with your plan, or you prefer to work with a clinician outside your network, out-of-network benefits may still be available. Depending on your plan, you may be able to receive partial reimbursement, and we can provide documentation to support that process.

Do you offer private-pay therapy?

Yes. We offer private-pay therapy when you are not using insurance or when private pay is the better fit. Full private-pay fees are $200–$250 per session for individual therapy with a licensed clinician and $150 with a supervised clinician; couples and relationship therapy is $250–$350 with a licensed clinician and $200 with a supervised clinician. Sliding-scale rates are available and set with your circumstances in mind: $75–$250 per individual session with a licensed clinician ($75–$150 with a supervised clinician), and $100–$350 per couples session with a licensed clinician ($100–$200 with a supervised clinician).

Do you offer a sliding scale?

Yes. Sliding-scale rates are available and set with your circumstances in mind: $75–$250 per individual session with a licensed clinician ($75–$150 with a supervised clinician), and $100–$350 per couples session with a licensed clinician ($100–$200 with a supervised clinician). If cost is a concern, tell us when you reach out and we will factor it into your match.

Can you help match me with a clinician who accepts my insurance?

Yes. Matching includes looking at insurance participation, availability, and therapeutic fit. Because not every clinician is in-network with every plan, we help you sort through options so coverage and fit line up as closely as possible.

Which clinicians accept EmblemHealth?

All of our clinicians are in-network with EmblemHealth. Coverage still depends on your specific plan and benefits, and we can help clarify your options during intake.

Do you accept Excellus, Highmark, or an out-of-state Blue Cross Blue Shield plan?

Yes. Excellus BCBS, Highmark BCBS of New York, and out-of-state Blue Cross Blue Shield plans (through BlueCard) work like Anthem / Empire BlueCross with us. All of our clinicians are in-network with Anthem / Empire BlueCross. Your plan's mental health benefits still determine your cost.

Do you accept UnitedHealthcare, Oxford, Oscar, or UMR?

Only Cameron is in-network with NYCE PPO, United HealthCare / Optum, Oxford, Oscar, and UMR. Ryn can also see clients with United HealthCare / Optum, Oxford, Oscar, or UMR who have out-of-network benefits: Ryn bills out-of-network, and you pay your in-network copay. Private pay and sliding-scale rates are also available.

Do you accept Medicaid, Medicare, or MetroPlus?

No. We are not in-network with MetroPlus, Medicaid, or Medicare plans. If you have one of these plans, we can share private-pay and sliding-scale options, or help you think about where to look for an in-network therapist.

Not sure which therapist is the right fit?

You do not need to choose alone. Share what you're looking for, your insurance, your availability, and any preferences that matter to you. We'll help guide you toward a clinician whose style, focus, and current openings fit your needs.

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Questions about insurance or fees?

You do not need to sort through everything alone. If you have questions about coverage, cost, or getting matched with a therapist who accepts your insurance, we would love to help.

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