Therapy Fees and Insurance Information: Affordable Mental Health Care at MyMindset NYC

Clinical supervision, professional consultation, partnership, and press collaboration rates at MyMindset NYC Counseling Services can be inquired through completing the contact us form.

Sliding scale rates are based on an anti-oppressive rate structure. Please answer the following questions to determine your session rate. (Adapted from the Anti-Oppression resource & training alliance):

• Are you and your family homeowners or landowners? (This question does not apply to those who are Native or Indigenous)

• Have you attended private education institutions or do you have an advanced degree?

• Are you able to make minimum payments on bills or credit cards?

• Have you been able to easily access and afford health insurance for yourself and your family members?

• Do you have zero to no debt and/or do you have disposable income?

• Do you have a safety net composed of “financially stable” or wealthy family and friends?

• Do you have U.S. Citizenship?

• Does your income only support you, and not other loved ones?

• Have you or do you expect to inherit money or property?

• Have you (or could you have attended college and/or graduate school?

Pay it Forward ($225): Yes to 7-10 questions

Full Cost ($210): Yes to 5-7 questions

Sustain ($185): Yes to 3-5 questions

Solidarity ($160): Yes to 1-3 questions

Hardship ($140): Yes to 0-1 questions

We’re not in-network with insurance providers, but we’re happy to support you in using your benefits. We can provide superbills for possible reimbursement, and you can use the tool below to easily check your out-of-network coverage through the Mentaya Insurance Benefits Checker.

Please note that Medicaid and Medicare health insurance plans are not accepted at this time.

Insurance companies mandate a diagnosis, oversee your health records, and may seek access to your information while in therapy. They also may limit your coverage to a set number of therapy sessions per year, regardless of what you're going through. When considering the implications of using insurance, paying out-of-pocket is a better fit for some.

Many health insurance plans offer 80-20% out-of-network mental health benefits with your plan, reimbursing you for 80% of the cost (after deductible is reached) and it may be possible for you to receive reimbursement for online counseling (teletherapy). If you would like to explore this option, contact your insurance and ask whether your out-of-network benefits include teletherapy.

To gain information about your insurance benefits and reimbursement you will need to call the number on the front or the back of your health insurance provider card (member services) and ask the following questions below:

• Do I have "out-of-network" mental health insurance benefits with my plan? If so, what are they?

• What is my deductible, and has it been met? Do I have to meet it before I am eligible for reimbursement? If so, how much is it?

• What is my "co-insurance"?

• How many sessions per year does my health insurance cover?

• What is the coverage amount per session? What percentage will you reimburse me for each session?

• Is approval for mental health services required from my primary care doctor?

• Will services provided by Jessica Thomas (registered license name) be reimbursable? Her license is 010802.

During the call, your insurance company may ask for the CPT codes your provider will use, including:

• An intake session (billing code 90791)

• A 45-minute session follow-up session (billing code 90834)

• A 60-minute follow-up session (billing code 90837)

In instances where out-of-network benefits are covered, you will be responsible for the full payment at the time of session. I am glad to file claims to your insurance plan for you to get reimbursed, or provide you with a “Superbill” to submit to your insurance carrier.

Please feel free to contact me with any questions.

It may be possible to use your Health Savings Account (HSA), Flexible Spending Account (FSA) or Health Savings Card to pay for some or all of your therapy sessions. Contact your insurance to inquire about this.

In accordance with federal law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

• You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

• Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 800-985-3059.

At My Mindset NYC Counseling Services, PLLC, we are committed to providing high-quality mental health services while maintaining transparency in our policies. This Fulfillment Policy outlines our refund and cancellation policies to ensure a clear understanding of our terms of service: www.mymindsetnyc.com/fulfilment-policy