How Much Does Therapy Cost in New York?
What you pay for therapy depends on three things: whether you use insurance, which clinician you see, and what your plan covers. This page lays out each path with our actual fees.
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. With in-network insurance, most clients pay their plan's copay or coinsurance instead.
If You Use In-Network Insurance
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.
With an in-network plan, your cost per session is set by your plan, not by us. It is usually a flat copay, or a percentage called coinsurance. If your plan has a deductible, you may pay the full contracted rate until it is met.
We check your benefits and tell you your expected cost before your first session.
If You Pay Without Insurance
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).
Where you land on the sliding scale depends on your circumstances and the clinician. Tell us what is workable when you reach out, and we will tell you what we can offer.
The Lowest-Cost Option: A Supervised Clinician
Supervised clinicians have completed graduate training and practice under the close supervision of an experienced licensed clinician. Their fees are lower, they take insurance, and they often have the soonest openings.
With a supervised clinician, individual sessions are $150 at full fee, with sliding-scale rates of $75–$150; couples sessions are $200, with sliding-scale rates of $100–$200.
Out-of-Network Benefits and Superbills
If we are not in-network with your plan, you may still have out-of-network benefits. That means your plan covers part of the cost of sessions with a clinician outside its network.
We do the paperwork. We submit an out-of-network claim to your plan for each session, and we provide a superbill every month: an itemized statement with the session dates, service codes, diagnosis code, and clinician details, for your records or for anything your plan asks of you directly.
- Ask your plan — whether you have out-of-network outpatient mental health benefits, what the out-of-network deductible is, and what percentage is covered.
- We submit the claim — to your plan after each session, so you do not have to file anything yourself.
- You get a monthly superbill — listing every session that month.
- Your plan pays its share — once any out-of-network deductible is met.
United HealthCare, Optum, Oxford, Oscar, and UMR
Cameron Eshgh, LMHC-D, is in-network with these plans and is currently full, accepting waitlist requests.
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.
Therapy Cost Questions
How much does therapy cost in New York without insurance?
At Peace Love Wellness: 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).
How much is therapy with insurance?
With an in-network plan you pay what your plan sets: usually a copay or coinsurance, and the full contracted rate until any deductible is met. The amount depends on your specific plan, so we check your benefits and tell you your expected cost before your first session.
What is a superbill, and do you provide them?
A superbill is an itemized statement of your therapy sessions that an insurance plan uses to process out-of-network benefits. Yes: we provide superbills monthly, and we also submit out-of-network claims to your plan for each session, so you do not have to file them yourself. What your plan pays depends on your out-of-network benefits.
Do you offer a sliding scale?
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).
What is the most affordable way to start therapy with you?
Using an in-network insurance plan, or working with a supervised clinician. With a supervised clinician, individual sessions are $150 at full fee, with sliding-scale rates of $75–$150; couples sessions are $200, with sliding-scale rates of $100–$200.
Which insurance plans are you not in-network with?
We are not in-network with MetroPlus, Medicaid, or Medicare plans. If you have one of these plans, private-pay and sliding-scale rates are available.
Can I use an HSA or FSA to pay for therapy?
Generally, yes. Therapy is typically an eligible expense for health savings accounts and flexible spending accounts. Check your account’s rules to be sure.
Is there a fee for cancelling a session?
We ask for at least 24 hours’ notice for cancellations or rescheduling. Late cancellations or no-shows may be subject to a fee. Your clinician will review the full policy with you before ongoing work begins.
Know your cost before you start
Tell us your insurance plan or your budget when you reach out. We reply within two business days with your options and your expected cost.