Private Pay Therapy
In Person and Virtual in New York City
Private, Personalized Care on Your Terms
What does “private pay therapy” mean, and how is it different from using insurance?
Private pay therapy means you pay your therapist directly rather than having them bill your insurance. You may still be able to get reimbursed if your insurance plan offers out-of-network benefits.
With private pay, you and your therapist decide what treatment looks like without insurance determining what is covered or how long you can receive care.
Can I still use my insurance benefits if I see a private pay therapist?
Yes, if your plan includes out-of-network mental health benefits. You pay your therapist directly and can submit a superbill to your insurance company for possible reimbursement.
Before starting therapy, contact your insurance company to confirm your out-of-network benefits, deductible, and reimbursement rate.
What is a superbill, and how do I use it for reimbursement?
A superbill is a detailed receipt you can submit to your insurance company for potential out-of-network reimbursement.
You pay for your session, receive the superbill from your therapist, and submit it to your insurer. Your insurance company then determines whether you qualify for reimbursement.
You don't need to be in crisis to start.
Most people come to therapy not because something has fallen apart, but because something feels off and they can't quite name it. That's enough. You don't need to justify why you're here, wanting support is enough.
Why we choose not to work with insurance
- You don't need a mental health diagnosis to come to therapy.
- Session notes stay between you and your therapist. Nothing is shared with a third party.
- We decide together how often you come and for how long, based on what's helpful, not what an insurer approves.
- Private pay lets us keep our caseloads smaller, which means more time, attention, and care for each client.
Request your free 15-minute call
We'll be in touch within one business day to confirm your time.
No pressure. No commitment. Just a conversation.
Is private pay therapy worth it if my insurance would cover a different provider?
It can be, especially if finding the right therapist, having greater privacy, and having more control over your treatment are important to you.
Private pay allows you to choose a therapist based on their experience, specialties, and approach rather than simply whether they accept your insurance.
A calmer, more regulated nervous system
The ability to respond instead of react
Stronger boundaries and more fulfilling relationships
More confidence in making decisions
A deeper sense of ease in your daily life
Frequently Asked Questions
Do private pay therapists offer sliding scale rates?
Some do, but it varies by therapist and practice. It is always worth asking whether sliding scale appointments are available.
Can I use my HSA or FSA card to pay for private pay therapy?
You may be able to use HSA or FSA funds for qualifying mental health treatment. Check with your plan administrator to confirm that your therapy expenses are eligible.
Will my insurance company ever deny a superbill reimbursement claim?
Yes, a superbill does not guarantee reimbursement. Your insurance company determines whether the service is covered under your specific out-of-network benefits.
Is private pay therapy tax deductible?
It may be, depending on your circumstances and IRS requirements. Talk with a qualified tax professional to determine whether your therapy expenses qualify.
Contact Us
We are currently accepting new patients, so if you are interested in learning more about our services, please call us at (646) 450-4856, or send us a message by using the form.
NYC Psychotherapy
Virtual across New York state | In Person: 85 5th Avenue, New York, NY 10003