counseling

Insurance and Rates at Staten Island Speech & Counseling

Starting therapy or speech services is a big step. And when money or insurance is part of the picture, it can feel like one more thing to figure out. You might wonder, “Can I afford this?” or “Will my insurance help pay?” or “What’s the cost before I say yes?”

We believe you deserve straight answers. At Staten Island Speech & Counseling, we explain every part of your care—including how payment works. Nothing hidden. No confusion. Just honest details that help you move forward.

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Insurance and Rates

At Staten Island Speech & Counseling, we believe in straightforward pricing. Before you start care, we'll explain what your insurance covers and what you'll pay out of pocket.

Insurance terms to know:

  • Copay: A set fee you pay each visit
  • Deductible: The amount you pay before insurance starts covering costs
  • Coinsurance: A percentage of the cost you pay after meeting your deductible
counseling rates
insurance

Accepted Insurance Plans

We are currently accepting the following insurance plans:

  • Cigna
  • Fidelis
  • New York City (NYCE) Emblemhealth / Unitedhealthcare
  • Blue Cross Blue Shield (Non-medicaid Plans Only)
  • United Health Care, Optum, Value Options
  • Aetna (Certain Plans in Network, Others Out of Network)
  • 1199 (Out-of-network)

Note: We are actively working to expand our insurance panel participation. If we are not yet in-network with your provider, we are happy to submit claims on your behalf for out-of-network reimbursement. Many clients receive partial or full reimbursement for services.

We'll give you a clear estimate before your first session.

counseling rates

Out-of-Pocket Counseling Rates

Our out-of-pocket rates vary depending on the provider that you are working with. Typical rates are:

  • $75-$125 - 45 minute sessions
  • $100-$150 - 60 minute sessions (typically couples or family sessions)
speech disorder rates

Speech / Reading Disorders Rates

Unfortunately, we are not able to take insurance for reading services. However, we are happy to provide you with a super-bill if you would like to try to get reimbursed by your insurance company.

We do offer competitive out-of-pocket rates:

  • $65 - 30 minute sessions
  • $85 - 45 minute sessions

Session Formats

Session length varies by service type:

  • Shorter sessions for pediatric speech or reading therapy
  • Standard 45-minute individual therapy sessions
  • Extended sessions for couples and family therapy

Contact us to stay up to date with our current rates.

session formats

Payment Options

We accept all major credit and debit cards, Zelle, plus HSA and FSA cards. Itemized receipts are available for reimbursement or records.

teletherapy

Teletherapy Coverage

Most plans now cover online mental health services. Coverage depends on:

  • Your state during the session (we're licensed in NY, NJ, and FL)
  • Whether your plan treats teletherapy the same as in-office visits
  • Diagnosis or documented need

Teletherapy rates are the same as in-person sessions.

Cancelations

We do charge out of pocket rates for all same day cancellations. 

Questions?

Reach out to request a benefit check. We'll help you understand your coverage and costs before you begin.

Let’s Talk About Coverage and Cost—You Don’t Have to Figure This Out Alone

Therapy or speech support should feel like a step forward—not a financial puzzle you have to solve alone. We’ll help you sort out your insurance, payment options, and next steps with clarity and care. 

If you’ve been putting off care because money feels messy, we’re ready when you are. To start, reach out to request your benefit check today. Don’t wait; we’ll walk this with you, one step at a time.

 

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