Insurance Terms, Explained

Virtual Psychotherapy in New York

At Phronetic Psychotherapy NY, our clients who utilize insurance coverage typically enjoy an average out-of-pocket cost of just $33 per session.

We accept most major commercial insurance plans, including Aetna, Wellfleet, Cigna, United Healthcare, Oxford, Oscar Health, Empire Blue Cross Blue Shield, and Carelon Behavioral Health, for residents of New York.

Understanding Insurance Terms and Options

In-Network
Being in-network means we are part of your insurance company’s approved network of providers. This allows us to offer services at a discounted rate, as agreed upon with your insurance company. If you have in-network coverage, we can verify your plan details and explain what your expected costs will be based on your specific benefits.

Out-of-Network
Out-of-network providers are not included in your insurance company’s network, meaning you’ll need to pay the full session fee upfront. However, many insurance plans reimburse 50%–80% of costs for out-of-network services. We can support you by providing monthly superbills, which you can submit to your insurance for potential reimbursement.

Superbill
A superbill is a detailed receipt that includes all the information your insurance company requires to process a claim for reimbursement. This includes your name, the provider's name, employment identification number, National Provider Identifier (NPI) number, diagnosis codes, service codes, appointment dates, and the total cost of services.

Deductible
Your deductible is the amount you must pay out-of-pocket before your insurance begins covering the cost of your care. This amount is set by your insurance policy and accumulates throughout the year. Once you meet your deductible, your insurance coverage kicks in for additional expenses.

Co-Insurance
After your deductible is met, you may still have to pay a percentage of each bill—this is called co-insurance. For example, if your co-insurance rate is 20%, you’ll cover 20% of the service cost, while your insurance pays the remaining 80%.

Out-of-Pocket Limit
Your out-of-pocket limit is the maximum amount you’ll pay for covered services in a year, combining your deductible, co-insurance, and copayments. Once you reach this limit, your insurance covers 100% of the remaining costs for the rest of the year.

Our Therapists

We’re proud to offer not only high-quality therapy, but also a simple, stress-free process to get started with us.

We understand that taking the first step toward change can feel overwhelming, and that's okay. We're here to support you every step of the way.

While you focus on the important work of personal growth and transformation, let us take care of the rest—whether it’s scheduling your appointments or handling insurance details. You’re not alone in this journey, and we’re here to make the process as smooth and stress-free as possible.

Start Anxiety Therapy in NY Today,

with a Caring Therapist Who Understands You and Accepts Your Insurance

Immediately Accessible

You can start your first session with Phronetic Psychotherapy in as little as 24 hours—we're here when you need us!

Flexible Scheduling

You can attend therapy from the comfort of your home, at a time that works best for you, any day of the week, Monday through Sunday, 9 AM to 9 PM. Morning, afternoon, evening—your call.

Insurance Friendly

We accept most major commercial insurance plans, including Aetna, Wellfleet, Cigna, United Healthcare, Oxford, Oscar Health, Empire Blue Cross Blue Shield, and Carelon Behavioral Health, for residents of New York.

Same-Day Psychotherapy Appointments Available. We are Ready When You Are.

Book a free 15-minute phone consultation.

We’re excited to hear from you! To get started, our intake specialist will schedule a quick 15-minute phone consultation to verify your insurance and match you with the therapist who’s the best fit for your needs.

We’ll respond to all messages within 48 business hours.

If this is an emergency, please call 911 or reach out to a crisis counselor at 1-888-NYC-WELL. We’re here for you!

Or Contact Us Directly.

To verify your insurance coverage, please email us using the form below. For all other inquiries, we respond within 48 business hours.

Phronetic Psychotherapy LCSW PC | Making You Happen Though Action