You focus on therapy. We’ll take care of the paperwork.
We submit claims to your insurance on your behalf.
Fees and Insurance
You pay for your session and we submit the insurance claims for you.
Our goal at Manhattan Therapy is to take the hassle and confusion out of the insurance reimbursement process. When you come to us for treatment, you will provide us all of your insurance information. You will pay directly for your session via Zelle or credit card. We will then submit the out of network claims for you. You will receive a check in the mail from your insurance provider in about 2-4 weeks. Most insurance companies will reimburse between 60 - 80 percent of your treatment costs.
We recommend using Nirvana, a website that will calculate your out of network benefits for you. You will be able to verify your out of network benefits to see what you will be reimbursed by your insurance company.
Fees for Individual Therapy
We recommend individual therapy to take place once or twice a week. Fees will be discussed in our consultation setting and the fee will be agreed upon together. Setting the fee is the beginning of our collaborative work.
Fees for Couple Therapy
Couple Therapy takes place once a week. Some couples also prefer double sessions, since there is often much to say with three people in a room. The fee for couple therapy is set in our consultation session.
Frequently Asked Questions
Q: Do you accept my insurance?
A: We are not on any insurance panels directly. We will submit out of network reimbursement claims on your behalf.
Q: What is out of network reimbursement?
A: When a healthcare provider is not a direct participant of your insurance plan, your insurance plan will have a policy for out of network reimbursement. All plans are different and this will depend on your plan. Your plan is likely to have reimbursement for therapy, and will typically reimburse at a rate of 60-80 percent.
Q: How do I know if I have out of network reimbursement?
A: You can call your insurance and ask. On the back of your insurance card, there is a number that you can call. Ask about “out of network reimbursement for behavioral health.” Your insurance company will give you an estimate of what they will cover. Also make sure to ask about your deductible. Additionally, you can ask if your insurance company contracts for single case agreements. This means that, while we are not in network with your insurance company, they will reimburse for your therapy fees as long as you identify us as your mental health provider. This can seem like a daunting process. Let us help you through this as many people have insurance benefits that go unclaimed. You are entitled to receive high quality mental health services.
Q: What are my rights covered under my insurance?
A: You have the right to high quality mental health treatment for as long as you need it. Insurance companies might not make this easy, but this is part of your entitlement benefits.
Q: Can you call my insurance company for me?
A: We would love to be helpful to you in navigating your insurance benefits. However, because we are not under any insurance panels, insurance companies will not speak with us directly.
Q: Does my insurance company cover couples therapy?
A: It depends on your insurance. When you call the number on the back of your insurance card, ask them if they have “out of network reimbursement for family therapy.”
Q: What happens if my out of network insurance claim gets rejected?
A: We will be notified of the reason by our records management system. As long as it is something we can fix on our end, we will resubmit it. After resubmitting, if it is still rejected, often it is because your insurance company will reimburse you if you submit the claims directly through your insurance portal. We can guide you through this process as well. At the end of the month, we provide you with a superbill, which contains all the information that you will need. Superbills are also a receipt, showing you paid for your therapy services. You will log in to your insurance portal, input a few lines of information from your superbill (such as diagnosis, billing codes and dates of service). You will then upload the superbill that we have prepared for you. When your insurance company processes your claim, you will either get a paper check in the mail, or some insurances have the ability for you to set up a direct deposit to your bank. That’s it! It may sound overwhelming, but after the first go through it’ll be a simple process for you to get the entitlement benefits that you deserve.
Q: What about a Good Faith Estimate?
A: Under the No Surprises Act, you are entitled to receive a Good Faith Estimate for the price of mental health services if you are self paying and not submitting to you insurance for out of network reimbursement. To learn more about this, follow this link.
Mental health must be accessible. Unfortunately, we operate within a very flawed system but are committed to being impactful to the most oppressed and underresourced as possible. If finances are a barrier, please discuss with a clinician during a free consult. Even if we aren't able to accommodate your needs, we can help provide customized resources