Therapy Investment & Insurance

Session Fees

• Initial Intake Session (53+ min): $250
• Individual Therapy (53+ min): $200
• Couples / Family Therapy (53+ min): $250

HSA/FSA cards accepted • Superbills provided for out-of-network reimbursement

In-Network Insurance

I'm in-network with the following commercial insurance plans for both in-person and telehealth sessions:

• Aetna
• AmeriHealth (including NJ plans)
• Anthem BCBS
• Beacon Health Options
• Blue Cross Blue Shield / Capital Blue / Horizon / Highmark / Independence
• Cigna
• Emblem Health (Non-HMO)
• Geisinger (Commercial)
• Keystone Health Plan East
• Magellan (Commercial)
• MVP (Commercial Non-HMO)
• New York State Empire Plan
• United Healthcare
• Value Options (Non-HMO)

Employee Assistance Programs (EAPs): I'm in-network with several EAP providers. If your employer offers an EAP benefit, contact me to verify if I'm in your network.

Note: This list is updated regularly but may not be comprehensive. Insurance networks change frequently. Always verify your specific plan before booking to ensure current network status.

What you'll likely pay (after verification):

• If you've met your deductible: Usually just your copay (often $0-$40 per session)
• If you haven't met your deductible: You'll pay the contracted rate until deductible is met (typically $71-$120 per session depending on insurance)
• After deductible is met: Your coinsurance applies (usually 0-20% of session cost)

*I am currently not in-network with Medicare or Medicaid.

Don't see your insurance listed or have questions after verifying? Email billing@youniversalcounseling.com or call 610-601-5950.

Out-of-Network Clients

If I'm not in-network with your provider, you may still be eligible for reimbursement through your out-of-network benefits. I provide detailed superbills you can submit to your insurance for partial reimbursement.

Before booking, check with your insurer and ask:

• Do I have out-of-network mental health coverage?
• Is telehealth eligible?
• What percentage is reimbursed?
• Is a superbill accepted?
• Do I need pre-authorization?

Why Private Pay Might Be Right for You

Sometimes insurance isn't the right fit. Private pay gives you full control:

• Complete confidentiality – No diagnosis required, no insurance records
• Flexible scheduling – Not limited by insurance session limits
• Integrative services – Full freedom to use tarot, shadow work, spiritual counseling without insurance restrictions
• No pre-authorization needed – Start immediately

Payment & Policies

• Payment methods: Credit/debit cards, HSA/FSA cards, cash, or check
• When payment is due: At time of service (credit card kept securely on file)
• Cancellation policy: 48-hour notice required. Late cancellations or no-shows are charged at the full session rate.
• Exceptions: Genuine emergencies or unexpected crises. Just communicate with me and we'll work it out.

Good Faith Estimate

Under federal law, you have the right to receive a "Good Faith Estimate" of expected costs for healthcare services if you're uninsured or not using insurance.

Most clients attend therapy for:

• Short-term focused work: 8-12 sessions ($1,600-$2,400)
• Moderate support: 20-30 sessions ($4,000-$6,000)
• Long-term depth work: 40+ sessions (ongoing investment)

These are estimates only. Your actual therapy length depends on your goals, progress, and needs. I'll provide a personalized estimate before we begin.

Sliding Scale Availability

I reserve a limited number of sliding scale slots for clients experiencing financial hardship. Sliding scale rates are determined on a case-by-case basis based on income and circumstances.

To request sliding scale: Email billing@youniversalcounseling.com with a brief explanation of your situation. Sliding scale spots are limited and offered on a first-come basis.

The Real Talk About Investment

Therapy costs what it does because you're paying for my clinical expertise, your individualized care, treatment planning, case coordination when needed, and accessible support between sessions.

Therapy is an investment in yourself. Not a luxury, not an indulgence—an investment in your mental health, your relationships, your future.

If money is the only thing standing between you and getting help, talk to me. We'll find a way.

Schedule Your First Session

Questions about cost or insurance?
Email: billing@youniversalcounseling.com | Phone: 610-601-5950

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