Rates and Insurance

Rates vary depending on the type of session you prefer. I am available to help you with navigating your insurance benefit plan to find out your coverage so that cost is not a barrier to receiving therapy.
Initial Visit = $250.  
Individual 45 minute session = $150. Individual 60 minute session = $185.  
Family sessions = $190.

Services may be covered in full or in part by your health insurance or employee benefit plan.  In our first contact, on the telephone or email, I will be happy to take down your insurance information and check your benefits for you. Also ask your employer if you have a health spending account that you can use for deductibles and other out of pocket costs. Many employers provide such benefits.

If you choose to check your benefits, please check your coverage carefully by asking the following questions:

  • What are my mental health insurance benefits?
  • What is the “benefit year” (i.e. calendar year Jan – Dec, or mid-year etc)?
  • Are my mental health benefits combined with my medical benefits?
  • What is my mental health deductible for out of network?  Is my deductible combined with medical? Has all or part of my deductible been met?
  • How many sessions per year does my health insurance cover?  Is there parity for biologically based diagnoses?
  • What is the coverage amount  (coinsurance %) per therapy session?
  • Is prior authorization required from the provider?


For more information this website may be helpful


Reduced Fee 
Everyone has a different level of means to cover care, especially at different times in their lives.  Speak with me directly if you are in need of consideration for a reduced fee.

Payment is expected at the time of each session unless other arrangements have been made. Personal checks, health spending cards, debit and credit cards are accepted.

Cancellation Policy 
Your session time is held for you.  If for any reason you are unable to keep your appointment, kindly provide 24 hour notice by 5 pm the previous day to avoid a full session charge.

Scheduling Office hours are available Monday through Friday.


Questions? I welcome your questions. Please call 201-638-5819 or email me at paulinecnj@msn.com

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Peace comes from within