Insurance & Rates
Insurance, Rates & Payment Options
We Make Understanding Costs Simple
Finding a therapist can be challenging enough without confusion about money. This page outlines what to expect regarding insurance, fees, and payment options at Cabezas Therapy.
Bottom Line Upfront:
- We offer sliding scale rates for those experiencing financial hardship.
- Our pricing is transparent with no hidden fees.
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Out-of-Network Insurance & Reimbursement
Even though we are out-of-network providers, you may still have benefits that reimburse you for 50-80% of our fees.Ask your provider, “What is your reimbursement rate for out-of-network procedure code 90834?”. If you are looking for couples therapy, ask them, “What is your reimbursement rate for out-of-network procedure code 90847?”.
How Out-of-Network Works:
1. Pay us directly at the time of service.
2. We provide a superbill automatically sent via client portal at the end of the month. If you need more frequently just ask.
3. Submit the superbill to your insurance for reimbursement.
4. Insurance reimburses you directly.
Our fees range from $60 – $370 per 50-minute session and vary depending upon which therapist we match you with.
Intern Rates:
- Individual therapy (50 min): $60 per session
- Couples therapy (50 min): $60 per session
- Extended sessions (90 min): $100 per session
Associate Therapist Rates:
- Individual therapy (50 min): $180 per session
- Couples therapy (50 min): $220 per session
- Extended sessions (90 min): $270 per session
Fully Licensed Therapist Rates:
- Individual therapy (50 min): $350 per session
- Couples therapy (50 min): $380 per session
- Extended sessions (90 min): $550 per session
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Sliding Scale Availability:
We want to provide access to quality mental health care. We reserve a limited number of sliding scale spots (reduced rates based on income) for clients experiencing financial hardship. We also offer sliding scale sessions for those who have the means to pay above the standard rate, allowing our sliding scale to increase accordingly. Please note our sliding scale slots are not pro bono slots.
Sliding scale rates depend on:
- Household income
- Number of dependents
- Other financial obligations
To inquire about sliding scale options, mention this during your free consultation. We’ll work with you confidentially to find a sustainable rate.
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Payment Methods & Policies
We Accept:
- All major credit and debit cards
- HSA/FSA cards
- Cash or check
- Venmo, Zelle (for established clients)
Payment Policies:
- Payment is due at the time of service.
- We charge your card on file automatically after each session.
- You’ll receive a receipt via email within 24 hours.
- Monthly statements are available upon request.
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Cancellation Policy
We understand that life happens, and sometimes you need to reschedule.
Our Policy:
- 48+ hours notice: No charge, free rescheduling.
- Less than 48 hours notice: Full session fee applies.
Late cancellations incur charges because that time was reserved exclusively for you and cannot be filled on short notice.
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Good Faith Estimate
Under federal law (No Surprises Act), you have the right to receive a "Good Faith Estimate" of expected charges for healthcare services. If your actual charges exceed this estimate by $400 or more, you have the right to dispute the bill.
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Frequently Asked Questions
Do you offer a free first session?
We provide a free 15-minute phone consultation to discuss your needs and ensure we're a good fit. The first full therapy session is a paid appointment.
Can I use my HSA or FSA?
Yes! Therapy is an eligible healthcare expense, and we provide receipts that work with all HSA/FSA accounts.
What if I lose my job or I have financial changes?
We’re here to help! We can discuss sliding scale options, switching to out-of-network reimbursement, or adjusting the frequency of sessions. We prioritize your care and will work with you through financial changes.
Why don’t you take my insurance?
Being in-network with insurance involves contracts that can limit our clinical flexibility and often result in lower-quality care with higher caseloads. Leading to provider burnout. We’ve carefully decided to keep our caseloads at a level that allows us to provide all our clients with more tailored care that aligns with our practice model while keeping rates accessible through sliding scale options.
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Questions About Cost?
We’re happy to discuss financial options during your free consultation. Money should never be a barrier to getting the support you need.
Call us at: 646-363-6543
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Last updated: January 2025