Reframed Mental Health is now in network with Curative and First Health. If you have either plan, you can use your insurance for therapy with us, in person at our Midtown Manhattan office or online anywhere in New York State.
I handle the calls and emails from people looking for a therapist at Reframed Mental Health, and insurance is the topic I explain most. So along with the news, here’s the full list of plans we’re in network with, how Medicaid works with us, what you’re likely to pay, and our private pay rates if you’d rather not use insurance.
What Insurance Does Reframed Mental Health Take?
Reframed Mental Health is in network with:
- 1199 SEIU
- Aetna
- Cigna
- Curative (new)
- First Health (new)
- Medicaid
- Meritain Health
- NYC Employee PPO
- Optum
- Oscar
- Oxford
- UnitedHealthcare
We’re working on adding a few more, and I’ll update this post when we do.
What if my plan isn’t on the list?
Check the front and back of your insurance card. A lot of plans don’t run their own network of providers and use a bigger company’s network instead, so the card will say something like “uses the Aetna network” or show a network logo, such as First Health or UnitedHealthcare. If your card names a network we’re in, we can typically accept your plan, even when the company name on the front isn’t one you see above. Our intake team will confirm it with you before your first session.
How Does Medicaid Work With Reframed Mental Health?
We accept New York State Medicaid, and we accept Medicaid managed care plans (when you qualify for Medicaid and choose a plan run by an insurance company through the NY State of Health marketplace) from the companies we’re in network with.
This is where I see the most confusion. People with a managed Medicaid plan often filter directory searches for “Medicaid” and expect any provider who accepts Medicaid can accept their plan. What matters is the insurance company that runs your plan, which is the name on your card. If your Medicaid plan is through Fidelis or Anthem, for example, we can’t see you through that plan, because we aren’t in network with either company, even though you got the plan through Medicaid. When filtering search results on directories, I recommend selecting BOTH Medicaid and the name of the company on your card. That will give you a much better list of providers who will likely accept your plan.
If the company on your card is on our list, or your card says the plan uses one of their networks, we can likely help.
How Much Will Therapy Cost With My Insurance?
The short answer: most people pay whatever they pay for a standard office visit. If you go to your regular doctor because you have the flu (a sick visit, not your yearly checkup), whatever you pay there is likely what you’ll pay for a session with us.
To check your exact cost, we need your insurance card. Our intake team runs it as part of your intake paperwork, after your free consultation, so you’ll know what to expect before your first session.
Why is therapy costing me so much if I’m using insurance?
If you have a high-deductible plan or have high copays, you can be using your insurance and still pay a lot out of pocket. A deductible is the amount you pay each year before your insurance starts paying its share. In a traditional plan, office visits are covered by a flat copay and the deductible only applies if you have a procedure, hospital stay, surgery, or similar. If you have a high-deductible plan, until you reach your deductible, you pay the full rate your plan allows for the session. Once you’ve met it, you move to your coinsurance (a percentage), and the cost drops. Note: “high-deductible” is about how the plan is structured, not the actual amount of the deductible.
People are often surprised by this. Nothing has gone wrong; that’s how the plan is built, with lower monthly premiums in exchange for paying more at each visit.
Can I use my FSA or HSA to pay for therapy?
Usually, yes. The IRS lists therapy received as medical treatment as a qualified medical expense, so you can generally pay for sessions with FSA (Flexible Spending Account) and HSA (Health Savings Account) money. FSAs accompany traditional plans and are structured as use it or lose it, whereas HSAs accompany high-deductible plans, the funds roll over year to year, and some larger employers also put money into their employees’ HSAs to encourage people to choose the lower-premium plans. Always check your account, because there may already be money waiting there. If you’re not sure whether a particular session qualifies, your FSA/HSA administrator can tell you.
What Are Your Private Pay Rates?
All sessions are 55 minutes. If you’d rather not use insurance, our private pay rates are:
- $125 for an individual session
- $175 for a couples session
People choose private pay for a few reasons. Some have a plan we aren’t in network with. Some have a high deductible, and private pay works out to less than the rate they’d pay through insurance until the deductible is met. And some would rather keep therapy off their insurance record.
Do you provide a superbill for out-of-network reimbursement?
Yes. Our client portal automatically creates and shares a bill if you have any out-of-pocket cost. If your plan has out-of-network benefits and you’d like a superbill (the receipt you send your insurance company to ask for reimbursement), let us know and we’ll set it up so the client portal creates and shares the superbill automatically, too. How much your insurance pays back depends on your plan, so check your out-of-network benefits with them.
The Bottom Line
Reframed Mental Health is now in network with Curative and First Health, along with 1199 SEIU, Aetna, Cigna, Medicaid, Meritain Health, NYC Employee PPO, Optum, Oscar, Oxford and UnitedHealthcare. Check your card for the company that runs your plan and the network it uses, and if you’d rather pay privately, sessions are $125 for individuals and $175 for couples.
What Happens Next?
Your first step is a free consultation with our intake team. We’ll cover the logistics (scheduling, insurance, in person or online) and match you with a therapist. You can read about each therapist’s background on Meet the Team, and if you’re still deciding what kind of therapy you’re looking for, how to know what type of therapy is right for you is a good place to start. If you’ve been looking for EMDR therapy, you will want to ask for Edwin who has completed EMDR International Association approved training and consultation hours.
Book a free consultation, and we’ll answer any questions you have and help you figure out the best way to proceed.