Navigating insurance can be confusing and frustrating. We work to make the process as clear and manageable as possible by handling billing carefully, communicating transparently, and addressing issues when something doesn’t look right.

When insurance companies fall short, we advocate on your behalf whenever we can. And when direct advocacy isn’t possible, we help you understand how to advocate for yourself. Our goal is to reduce financial barriers so that accessing quality care feels more possible.

Why We Accept Insurance

We believe therapy should be accessible, and insurance companies should pay for the care they cover.

FAQs
New York
  • ✓Aetna
  • ✓Cigna
  • ✓Optum (UnitedHealthcare)
New Jersey
  • ✓Aetna
  • ✓Cigna
  • ✓Optum (UnitedHealthcare)
  • ✓Horizon Blue Cross Blue Shield
  • ✓Blue Cross Blue Shield managed care plans

We continue to expand our in-network coverage over time.

Check Your Insurance Benefits

Before starting therapy, we’ll help you understand your coverage so you know what to expect financially.

We work with both in-network and out-of-network insurance, depending on your plan and location.

We have partnered with Mentaya to help clients use their out-of-network benefits to save money on therapy. Use this tool below to see if you qualify for reimbursement for our services.

*This is an estimate and is not a guarantee of reimbursement. Clients should always confirm the estimated reimbursement amount directly with their insurance companies, as they have the most up-to-date information. If you're unsure what exactly to ask your insurance company, you can use these questions as a starting point.

Using Out-of-Network Benefits

If we’re not in-network with your plan, you may still be able to use out-of-network benefits. You would pay for sessions directly, and your insurance may reimburse part of the cost. We provide a superbill you can submit to your insurance company.

1

Review Your Benefits

Start by confirming whether your plan includes out-of-network mental health coverage.

2

Submit Your Superbill

Upload your superbill through your insurance provider’s portal or follow their claim instructions.

3

Track Your Claim

Your insurance will review the claim and determine reimbursement based on your benefits.

4

Follow Up If Needed

If something looks delayed or incorrect, contact your insurance provider. We can help you understand what’s happening.

Session Fees

Clear rates, insurance guidance, and payment details before you begin.

LMSW Therapists

From $150
Individual + couples sessions

Individual sessions: $150
Couples sessions: $225

LCSW Therapists

From $225
Individual + couples sessions

Individual sessions: $225
Couples sessions: $325

Payment

At Session
Secure client portal

Payment is due at the time of your session and is processed through our secure client portal.

Cancellation Policy

48 Hours
$150 cancellation fee

We ask for at least 48 hours’ notice if you need to cancel or reschedule. Sessions canceled with less than 48 hours’ notice, or missed sessions, are subject to a $150 cancellation fee.

We offer a limited number of sliding scale spots based on availability.

Insurance Terms, Explained Simply

Insurance language can feel like a different language. Here are the terms you’ll hear most often, explained in a way that actually makes sense.

In-Network Provider

A therapist who has a contract with your insurance. Lower out-of-pocket costs, and we submit claims for you.

Out-of-Network Provider

A therapist without a contract with your insurance. You pay upfront and may be reimbursed.

Deductible

The amount you pay each year before insurance begins covering sessions.

Co-Pay

A set fee per session once your insurance benefits are active.

Co-Insurance

A percentage of the session cost you pay after your deductible has been met.

Out-of-Network Benefits

Coverage that may reimburse you for working with therapists outside your insurance network.

Superbill

A detailed receipt that can be submitted to your insurance company for possible reimbursement.

Reimbursement

The portion of your therapy costs that your insurance company pays back to you.

HSA / FSA

Pre-tax healthcare accounts that can often be used to pay for therapy sessions.

Out-of-Pocket Cost

What you pay directly for therapy, including deductibles, copays, coinsurance, or private-pay fees.

Insurance & Billing FAQs

Clear answers to the questions most people have before getting started.

We submit claims directly to your insurance company. Depending on your plan, you may be responsible for a deductible, copay, or coinsurance. You can learn more on our Insurance & Billing page.

Yes. After your initial call, we verify your benefits and give you a clear estimate before your first session. Final costs depend on how your insurance processes claims. You can also review general insurance information on our Insurance & Billing page.

Let us know right away. We work with your insurance company to correct errors whenever possible. We take billing seriously and advocate when something doesn’t look right. You can contact us through our Contact page.

We ask for 48 hours’ notice. If a session is canceled within that window and can’t be rescheduled the same week, a $150 fee applies.

New York: Aetna, Cigna, Optum / UnitedHealthcare

New Jersey: Aetna, Cigna, Optum / UnitedHealthcare, Horizon Blue Cross Blue Shield, Horizon Blue Cross Blue Shield PPO, BCBS managed care plans

If you’re unsure about your coverage, please reach out through our Contact page and we’ll help you verify your benefits.

We submit claims within about a week of your session. Insurance reimbursement timelines vary and can take anywhere from a week to several months. If you have questions about billing, our Insurance & Billing page provides additional details.

Yes. We accept all major credit cards, as well as FSA and HSA cards through the client portal. You can learn more about payment options on our Insurance & Billing page.

Email info@emilyrubintherapy.com or contact your therapist directly. You can also visit our Contact page if you need assistance.

When you’re ready, we’re here

If you’re considering therapy, we’re happy to help you take the next step. We’ll answer questions, talk through fit, and make the process feel clear from the start.

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