The first three sessions we will be identifying strengths, needs and setting goals for treatment. It is during this process that we will discuss recommendation of appropriate treatment option, frequency and service length . It will also give you an opportunity to get a better idea of the therapist’s style of work and build therapeutic relationship.

Each client is unique and we make sure to tailor therapy and its frequency to your needs. Frequency of therapy depends on various factors and we use the first three session to get a better idea of what that is for each case. We often recommend weekly session initially as we gain skills and work on reducing symptoms. Therapy is best effective when treatment is consistent.

I am currently accepting Aetna commercial plan insurance. I am out of network with other insurances plans and do not accept Medicare.

While I do not work with other insurances, I accept Health Saving Accounts (HSA), Flexible Savings Account (FSA) card and credit card for payment.

I can also provide to you a superbill (invoice) to help with reimbursement if you wish to pursue with your insurance. Additionally, I have partnered with Thrizer to help handle the out-of-network process.

With Thrizer, you also have the option to pay your co-insurance for our sessions, instead of paying my full fee and waiting for reimbursements. This typically allows clients to save on average 70% upfront on our sessions. During our intake process, I can help you verify if you have out-of-network benefits and how much your co-insurance would be.

View this Thrizer Client Infographic and Thrizer Pay Example to learn more!

Please be aware that we would have to include a diagnosis in the superbill as it is a requirement for insurance claims forms for reimbursement. You may choose to private pay to further your privacy.

Here's a breakdown:

If your insurance plan offers out-of-network benefits, it means they will cover a portion of the cost when you see a therapist who doesn't have a direct contract with your insurance company.

Unlike in-network providers, who bill your insurance company directly, with out-of-network therapists, you typically pay for the session upfront and then submit a claim to your insurance for reimbursement.

Insurance companies often reimburse a percentage of the therapist's fee, usually after you meet an out-of-network deductible. For example, after you meet a $1,000 deductible, your insurance may reimburse 50-80% of the session cost.

Out-of-network benefits give you the flexibility to choose a therapist based on your needs and preferences, not just those in-network.

If you’re unsure if you have out of network benefits, reach out and I can help verify if you have these benefits!

You can use the below CPT code and questions to understand your specific coverage and reimbursement :

• CPT 90791: Initial Assessment

• CPT 90834 : Individual Therapy, 45 min

• CPT 90837: Individual Therapy, 53+ Min

• CPT 90847: Couples/Family/Marriage Therapy

Do I have out-of-network mental/behavioral health benefits?

Do I have an out-of-network deductible that has to be met first before I get reimbursed?

Has any amount of my deductible been covered this year? 

What is my co-insurance amount?

Co-insurance is the amount you pay after deductible is met. For example, if you have met your out-of-network deductible and you have a co-insurance of 20%-40% of session cost and the cost of session to you is $200, you will be reimbursed between $160- $120 by your insurance company.

What is my allowed amount?

The reimbursement rate is decided by copay/co-insurance and allowed amount; you would be responsible for the co-pay/co-insurance and then anything above the allowed amount that the insurance does not cover.

While we do have sliding scale/reduced fee, there are only a few slots made available at a time. We make our best effort to have equitable care by offering sliding scale to those most in need whether that is being financially limited or those who cannot afford care. Therefore, we consider sliding scale on a case-by-case basis to make care accessible. The therapist will determine, at their discretion, whether to apply a sliding scale for fees based on factors such as gross income and plan of service. We must be selective to circumstances as we truly would like to open up those slots to those that could use assistance.

Please reach out if this would be helpful to you!

Free two hour street parking Monday-Friday 8 am- 6 pm is available on Greenwood Avenue, a minute walk to our office. This is in between Glen Ridge Taekwon-do school and Union Gardens apartment building in Montclair, New Jersey

Metered parking is found directly across our office building, Zone 404 parking plaza lettered K. The Flowbird pay by plate kiosk station accept coins and credit card. You can also use ParkMobile app. Metered parking is free after 7 pm.

18-20 Lackawanna Plaza is next to Santokh Yoga and Wellness Center.

The building’s main entrance at 18-20 Lackawanna Plaza Montclair New Jersey is open to the public.

To get to the suite 200 waiting room you can follow the instruction below or refer to visual photos towards the end of this page.

Instructions:

Upon entering the building, head up the stairs.

Immediately to your right, you’ll find a glass door that will allow you up to the second and third floor. This door may be locked.

Please text us, and we will buzz it open. It will light green to signal open access.

You can now enter. Suite 200 is immediately right up the stairs after entering through the secure entrance.