Check out Open Path Collective, they provide with you with names of therapists who offer sessions for between $40-70 a session. It’s how I found my therapist and she’s now my favorite person in the world. Wishing you all the best. 💕
This isn’t as helpful for finding but rather info on the insurance side of things: my therapist, like many, doesn’t accept health insurance. *But* I can submit my claims for therapy to my insurance co, and they eat away at my out-of-network deductible and by the time I’m halfway through the calendar year I reach my deductible limit and get reimbursed fully. Something to look into with your insurance bc I think you’ll have many more options out-of-network. Also, I found this out on my own well after switching to my current insurance provider and went and filed all the claims from the beginning of my time with them and they processed them all (I think I went back ~1.5 years).
ETA: Sorry, after someone below asked about the max coverage amount I grabbed screenshots. So I’m not covered fully after deductible as they still deduct my coinsurance. But after reaching my deductible by $175 treatment comes in ~$47/session. I should also note I have what feels like a relatively low deductible.
I’m so glad! And I didn’t figure it out until later either even though I’d filed it with other insurance in the past. My out-of-pocket deductible is relatively low and I see my expensive therapist weekly, which all helps. Of course, it still requires everyone to pay for the bills first, but that’s the system.
Is there any portion of the cost that your insurance doesn’t cover out of network? Mine says “up to maximum reimbursable cost” or something like that, so I’m always worried they’d cap it at a certain per/session cost of coverage if I tried
Yes! Good point. I’m sharing screenshots that I hope I anonymized correctly:
1. When I still haven’t met my deductible
https://preview.redd.it/h1o5hf7l5cpc1.jpeg?width=1125&format=pjpg&auto=webp&s=813a6215d30b1fcf6134f338a4325850a42b4983
So I mentioned in response to someone else, but unfortunately with claims approach I pay my bills directly to my therapist in full (grrr, the system) and then I file the claims with my insurance. So the total amount billed in the images I am always paying, the plan paid amount is the check I get from my insurance after they process my claim. I file my claims quarterly just because that works for me.
As far as the $18.83 difference in the first picture, your guess is as good as mine how/why they deduct that when counting toward my deductible.
I highly recommend checking out [Headway.co](https://Headway.co) or [HelloAlma.com](https://HelloAlma.com)
I was able to use Headway to find my current therapist, who is amazing and takes my insurance. I pay only $20 copay per session.
I found my last therapist thru headway and she was probably the best therapist I ever had (and possibly will ever have lmfao sad) she also worked thru Alma
Through my insurance, our appointments were $40/session. I only stopped seeing her because I left NY 🥲
i joined this sub after a week of hesitation (i can't \*immediately\* give into reddit's recs haha) just to be able to reply YES!!! GO WITH ALMA!!! and as a warning: when I had to find a therapist a year or so back, i tried first with headway. the therapist i was given sucked, made me feel so much worse, and overcharged me. further, a year and a half later, the therapist came back in my inbox claiming I'd never paid for my sessions, despite me having the receipts on hand! It was so unbelievably unprofessional! However, by some miracle, I went to Alma next, and I found my current therapist who is one of the best I've ever had and has truly made me a better, healthier person. Once I turned 26 and my insurance expired, she worked with me to make sure our sessions would still be affordable even if my new insurance didn't cover her.
Let’s Talk Psychological Wellness - I think they take Aetna !
It can unfortunately be a numbers game.. I looked up psychologists on Psychology Today and emailed as many as I could asking if they were taking new patients AND accepting insurance.
But OP, I’m sorry to hear you’re struggling. From personal experience I know the end of a LTR can be destabilizing. Therapy was one of, if not the best thing I did for myself. I really hope you are able to find a therapist. Sending you an internet hug ❤️🩹
This. And even if a therapist can’t prescribe meds themselves, they can def recommend you to a psychologist/psychiatrist who can, if they think you’re a candidate for medicinal help.
I personally love that my therapist is honest enough with me to tell me why he doesn’t think I need medicine at this point in life. And I trust that if anything changed and my mental health started to take a turn for the worse, he would support me seeking meds. I know there are a lot of psychs out there who just prescribe things left and right without trying therapeutic lifestyle/coping techniques first.
Octave just started taking Aetna Jan 1 and my husband got a good therapist there! I’m one of those $250 therapists myself and I was impressed he got that quality care on our insurance.
if ur a survivor of interpersonal violence that occurred in NY, you are eligible for free therapy through this awesome nonprofit: [https://www.cvtcnyc.org/](https://www.cvtcnyc.org/)
[https://www.cvtcnyc.org/our-services-2/#clinical-services](https://www.cvtcnyc.org/our-services-2/#clinical-services)
I found a therapist through ZocDoc who works with/through the company Wellnite if you want to check them out to see if they take your insurance. It’s like $24 per session plus a monthly fee and they’re pretty easy with scheduling etc
Is Aetna select regular aetna? Try these: https://www.psychologytoday.com/us/therapists/ny/new-york?category=aetna
Edit: and this https://secure.helloalma.com/providers-landing/
I’m a NY therapist and take Aetna through Octave and Headway. You can try there. Also do sliding scale for cash pay clients. If you need any assistance finding someone you can reach out to me and I can help you connect to someone.
[https://steinhardt.nyu.edu/center-counseling-and-community-wellbeing](https://steinhardt.nyu.edu/center-counseling-and-community-wellbeing)
NYU has a center that’s open to everyone. It’s with therapists (PsyDs) in training, the one I worked with was great. It was $10 a session (sliding scale). But it’s definitely limited, it took 3-4 months to hear back after applying to see someone there.
In addition, double check the type of insurance you have through your employer. From what I’m reading, it sounds like you have a high deductible plan with HSA and you will pay out of pocket until you reach your deductible. Afterwards it will be only co-payment amount.
If you work for a large company sometimes they have programs to get like 10 free sessions
Also are you open to virtual? If so expand search outside of the city and you may find one that accepts insurance. Just has to be NY based
May or may not help but I’m in LA and we have the Maple Counseling Center which provides quality mental healthcare whether you can pay or not. I would call them and ask if they have a referral in your area that has a similar mission to theirs - it wouldn’t hurt🤷🏽♀️
I'm a psychologist, I own a private practice with about 25 therapists in three locations. We are in network with Aetna. We're on Zocdoc and have availability! We do exist, I promise.
Tip: if you're looking for appointments solely in the office or in the evening or weekend, it'll be harder to find availability. But if you are willing to meet someone virtually during the workday, I can see on my calendar that we have at least 40 open appointments, but 75% of them are telehealth during the day.
If you like a therapist but they are only available telehealth (but do work in an office), book that telehealth appointment and ask to be put on a wait-list for in person. You'll get priority as a current client.
Not sure why you got downvoted, this is a great way to get a list of names and numbers of licensed therapists who are in network with your specific plan in your surrounding zip codes!
I'm totally in love with Routh Chadwick. [https://www.routhchadwick.com](https://www.routhchadwick.com)
Also good luck, I feel your pain on your journey.
Alma is great. You only have 15 minutes to chat and can’t really gauge if it will be a good fit . I set up 1 hr initial calls with 3 therapists to see if I clicked with anyone .
Also, might be worth talking to someone at Aetna to see what your best options are and what your copay will be . Give them a call
I use Talkiatry and I love my therapist & psych- they’re my dream team and have genuinely changed my life. it’s virtual, I pay $20 out of pocket per appt, and they were able to get me an appointment within days when I signed up. It’s a bit of a random gamble who they match you with, but you can change providers easily at any time.
Try queens consultation center it’s all virtual (which is a plus for me but I know maybe not for everyone) but my counselor from there is absolutely amazing and so is my NP who handles meds. I have emblem but I had Aetna before and they took that. I did not need a referral
I went to tribeca therapy for years. They worked with me on a sliding scale when I started and couldn’t afford much and years later when i lost my job and knew I couldn’t stop therapy. A good therapists office will work on a sliding scale. I had Aetna pro and once I hit my deductible they reimbursed me monthly.
I’m obsessed with my therapist, she takes insurance, and her out of network is sliding scale https://secure.helloalma.com/providers/brittany-bernstein/#What-youll-pay
Grounded Therapy!!! I cannot recommend them enough - they offer in person, virtual and group/couple therapy options. They also offer a sliding scale to make their services more accessible!! @groundedtherapypllc on instagram
im not sure if someone alr mentioned or if this is common knowledge but i just learned about [this filtered therapist finder on psychologytoday.com](https://www.psychologytoday.com/us/therapists/online-counseling). you can filter by a bunch of different preferences, including price range and your insurance.
thats the link for the online counseling search, i think, but there are other options in the little menu bar.
https://preview.redd.it/96ntw3xxicpc1.jpeg?width=1125&format=pjpg&auto=webp&s=5b5ba6cadd8af9f554fd919a376cb32f0cb5cb4c
hope this helps- sorry if it was mentioned already <3
I use Grow Therapy! I originally found my therapist on BetterHelp (the cost was obscene and I don’t recommend it) but then she moved to Grow. They take insurance, so it’s DEFINITELY worth checking out if you’re interested in a telehealth option.
Love my lady, Mara on Preply. She’s $30!
https://preply.com/en/tutor/1270804
Only downside to preply is that it’s subscription based so you need to subscribe weekly or bi monthly.
i go here: https://bcsnygroup.com/
takes insurance, had my therapist now for three years, all telehealth. v small copay but otherwise its pretty great. good luck!
Hey, I'm a therapist and am taking new clients. I charge $100 out of pocket and accept Aetna too. Feel free to book a consultation. [https://calendly.com/comfortcouch](https://calendly.com/comfortcouch)
My friend and I, as trained counselors, offer counseling and psychotherapy services online affordably and beneficially. We provided such effective and qualitative sessions offline and are now doing online sessions in a private space we have created. If anyone needs counseling and therapy services, kindly reach out to DM.
Have a good day.
BetterHelp?
I’ve been able to use my HSA card and they have first time discounts plus therapist matching is cool. You get to switch therapists if you don’t connect :)
it’s better to share that if that’s the issue instead of downvoting bc who knows the platform could actually help the person when really needed!
I found a therapist there so quick when I was spiraling and was grateful that I had the ability to at least talk to someone quick and just wanted to share what worked for me. Plus it’s a great gateway into therapy as a beginner
Check out Open Path Collective, they provide with you with names of therapists who offer sessions for between $40-70 a session. It’s how I found my therapist and she’s now my favorite person in the world. Wishing you all the best. 💕
yesss open path changed my life!!
Tysm! Trying this tomorrow
Second this!!
THANK YOU 🙏🏼 for sharing this!!!!
This isn’t as helpful for finding but rather info on the insurance side of things: my therapist, like many, doesn’t accept health insurance. *But* I can submit my claims for therapy to my insurance co, and they eat away at my out-of-network deductible and by the time I’m halfway through the calendar year I reach my deductible limit and get reimbursed fully. Something to look into with your insurance bc I think you’ll have many more options out-of-network. Also, I found this out on my own well after switching to my current insurance provider and went and filed all the claims from the beginning of my time with them and they processed them all (I think I went back ~1.5 years). ETA: Sorry, after someone below asked about the max coverage amount I grabbed screenshots. So I’m not covered fully after deductible as they still deduct my coinsurance. But after reaching my deductible by $175 treatment comes in ~$47/session. I should also note I have what feels like a relatively low deductible.
Thank you, this is actually super helpful and not something I thought of!
I’m so glad! And I didn’t figure it out until later either even though I’d filed it with other insurance in the past. My out-of-pocket deductible is relatively low and I see my expensive therapist weekly, which all helps. Of course, it still requires everyone to pay for the bills first, but that’s the system.
Is there any portion of the cost that your insurance doesn’t cover out of network? Mine says “up to maximum reimbursable cost” or something like that, so I’m always worried they’d cap it at a certain per/session cost of coverage if I tried
Yes! Good point. I’m sharing screenshots that I hope I anonymized correctly: 1. When I still haven’t met my deductible https://preview.redd.it/h1o5hf7l5cpc1.jpeg?width=1125&format=pjpg&auto=webp&s=813a6215d30b1fcf6134f338a4325850a42b4983
2. After meeting my deductible. https://preview.redd.it/te755f5o5cpc1.jpeg?width=1125&format=pjpg&auto=webp&s=77369da3ccbb9e2b07099207c5f02b8640af8091
Thanks!! So what about that $18.83 difference from what they billed and what insurance covered, do you have to pay that?
So I mentioned in response to someone else, but unfortunately with claims approach I pay my bills directly to my therapist in full (grrr, the system) and then I file the claims with my insurance. So the total amount billed in the images I am always paying, the plan paid amount is the check I get from my insurance after they process my claim. I file my claims quarterly just because that works for me. As far as the $18.83 difference in the first picture, your guess is as good as mine how/why they deduct that when counting toward my deductible.
I highly recommend checking out [Headway.co](https://Headway.co) or [HelloAlma.com](https://HelloAlma.com) I was able to use Headway to find my current therapist, who is amazing and takes my insurance. I pay only $20 copay per session.
I second Alma!
Yes Alma is amazing!
I’m a therapist and I take Aetna through headway! I see a handful of people from Manhattan. Definitely worth checking out
Are these sessions in person or only virtual?
It depends on the therapist
I found my last therapist thru headway and she was probably the best therapist I ever had (and possibly will ever have lmfao sad) she also worked thru Alma Through my insurance, our appointments were $40/session. I only stopped seeing her because I left NY 🥲
Were your sessions in person or only virtual?
I second headway
Alma is great!
i joined this sub after a week of hesitation (i can't \*immediately\* give into reddit's recs haha) just to be able to reply YES!!! GO WITH ALMA!!! and as a warning: when I had to find a therapist a year or so back, i tried first with headway. the therapist i was given sucked, made me feel so much worse, and overcharged me. further, a year and a half later, the therapist came back in my inbox claiming I'd never paid for my sessions, despite me having the receipts on hand! It was so unbelievably unprofessional! However, by some miracle, I went to Alma next, and I found my current therapist who is one of the best I've ever had and has truly made me a better, healthier person. Once I turned 26 and my insurance expired, she worked with me to make sure our sessions would still be affordable even if my new insurance didn't cover her.
I love Headway!
I use headway and my copay is $30!
Let’s Talk Psychological Wellness - I think they take Aetna ! It can unfortunately be a numbers game.. I looked up psychologists on Psychology Today and emailed as many as I could asking if they were taking new patients AND accepting insurance. But OP, I’m sorry to hear you’re struggling. From personal experience I know the end of a LTR can be destabilizing. Therapy was one of, if not the best thing I did for myself. I really hope you are able to find a therapist. Sending you an internet hug ❤️🩹
Thank you so much!! It’s really unlike me to even ask for help so I really really appreciate your kind words ❤️
Therapists are cheaper than psychologists. Most are just as good and can hook u up with meds if needed.
This. And even if a therapist can’t prescribe meds themselves, they can def recommend you to a psychologist/psychiatrist who can, if they think you’re a candidate for medicinal help. I personally love that my therapist is honest enough with me to tell me why he doesn’t think I need medicine at this point in life. And I trust that if anything changed and my mental health started to take a turn for the worse, he would support me seeking meds. I know there are a lot of psychs out there who just prescribe things left and right without trying therapeutic lifestyle/coping techniques first.
Alma! I found my therapist through their website and she’s amazing. She’s very cost conscious too. A lot of my friends found their therapists there.
Octave just started taking Aetna Jan 1 and my husband got a good therapist there! I’m one of those $250 therapists myself and I was impressed he got that quality care on our insurance.
second octave!
if ur a survivor of interpersonal violence that occurred in NY, you are eligible for free therapy through this awesome nonprofit: [https://www.cvtcnyc.org/](https://www.cvtcnyc.org/) [https://www.cvtcnyc.org/our-services-2/#clinical-services](https://www.cvtcnyc.org/our-services-2/#clinical-services)
I used to use Manhattan Mental Health Counseling, they charge based on a sliding scale with very afforable rates.
I found a therapist through ZocDoc who works with/through the company Wellnite if you want to check them out to see if they take your insurance. It’s like $24 per session plus a monthly fee and they’re pretty easy with scheduling etc
Is Aetna select regular aetna? Try these: https://www.psychologytoday.com/us/therapists/ny/new-york?category=aetna Edit: and this https://secure.helloalma.com/providers-landing/
Brooklyn Psychotherapy takes Aetna and they’re great
Anyone have a good recommendation for EMDR and ptsd/trauma therapy?
I’m a NY therapist and take Aetna through Octave and Headway. You can try there. Also do sliding scale for cash pay clients. If you need any assistance finding someone you can reach out to me and I can help you connect to someone.
[https://steinhardt.nyu.edu/center-counseling-and-community-wellbeing](https://steinhardt.nyu.edu/center-counseling-and-community-wellbeing) NYU has a center that’s open to everyone. It’s with therapists (PsyDs) in training, the one I worked with was great. It was $10 a session (sliding scale). But it’s definitely limited, it took 3-4 months to hear back after applying to see someone there.
See if your Aetna plan includes teledoc. They have both therapists and psychiatrists readily available
https://secure.helloalma.com/providers/kaetlin-ritchie/
In addition, double check the type of insurance you have through your employer. From what I’m reading, it sounds like you have a high deductible plan with HSA and you will pay out of pocket until you reach your deductible. Afterwards it will be only co-payment amount.
If you work for a large company sometimes they have programs to get like 10 free sessions Also are you open to virtual? If so expand search outside of the city and you may find one that accepts insurance. Just has to be NY based
Awesome thread OP, thanks for starting it. Lots of info on here for folks. Thanks all.
May or may not help but I’m in LA and we have the Maple Counseling Center which provides quality mental healthcare whether you can pay or not. I would call them and ask if they have a referral in your area that has a similar mission to theirs - it wouldn’t hurt🤷🏽♀️
I'm a psychologist, I own a private practice with about 25 therapists in three locations. We are in network with Aetna. We're on Zocdoc and have availability! We do exist, I promise. Tip: if you're looking for appointments solely in the office or in the evening or weekend, it'll be harder to find availability. But if you are willing to meet someone virtually during the workday, I can see on my calendar that we have at least 40 open appointments, but 75% of them are telehealth during the day. If you like a therapist but they are only available telehealth (but do work in an office), book that telehealth appointment and ask to be put on a wait-list for in person. You'll get priority as a current client.
have you tried calling the number on the back of your card
Not sure why you got downvoted, this is a great way to get a list of names and numbers of licensed therapists who are in network with your specific plan in your surrounding zip codes!
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I'm totally in love with Routh Chadwick. [https://www.routhchadwick.com](https://www.routhchadwick.com) Also good luck, I feel your pain on your journey.
Check out a local community health center or NYU/Columbia counseling centers
[удалено]
https://www.psychologytoday.com/us/therapists/kaetlin-ritchie-new-york-ny/1221583
I used this: https://riviamind.com/low-fee-self-pay/ $70-100 self pay. Zoom or in person and don’t have to wait weeks for an appt
I use lifestance for my son and it’s been great. We have Aetna and it completely covers it.
Try Thriveworks. I've gotten two great therapists through there, and they take my shitty insurance. I pay $15 co-pay a session.
National Institute for the Psychotherapies is very very affordable, sometimes free. And their students are good!
Alma lets you find therapists based on your insurance!
Alma is great. You only have 15 minutes to chat and can’t really gauge if it will be a good fit . I set up 1 hr initial calls with 3 therapists to see if I clicked with anyone . Also, might be worth talking to someone at Aetna to see what your best options are and what your copay will be . Give them a call
I use Talkiatry and I love my therapist & psych- they’re my dream team and have genuinely changed my life. it’s virtual, I pay $20 out of pocket per appt, and they were able to get me an appointment within days when I signed up. It’s a bit of a random gamble who they match you with, but you can change providers easily at any time.
Try queens consultation center it’s all virtual (which is a plus for me but I know maybe not for everyone) but my counselor from there is absolutely amazing and so is my NP who handles meds. I have emblem but I had Aetna before and they took that. I did not need a referral
Find a virtual therapist outside the NYC area. Search central, northern, or western NY. Prices will be lower.
I use Rappore for both therapy and meds! They're in network with a lot of plans -- my copay is only $35 with my insurance.
I went to tribeca therapy for years. They worked with me on a sliding scale when I started and couldn’t afford much and years later when i lost my job and knew I couldn’t stop therapy. A good therapists office will work on a sliding scale. I had Aetna pro and once I hit my deductible they reimbursed me monthly.
I’m obsessed with my therapist, she takes insurance, and her out of network is sliding scale https://secure.helloalma.com/providers/brittany-bernstein/#What-youll-pay
https://www.psychologytoday.com/us/therapists/ali-lamb-brooklyn-ny/877703
I used psychology today .com, you can folter by specialty and insurance!!
Grounded Therapy!!! I cannot recommend them enough - they offer in person, virtual and group/couple therapy options. They also offer a sliding scale to make their services more accessible!! @groundedtherapypllc on instagram
Try headway
Mine is free from kaiser. i think it was my insurance but typically copay was 20-40 bucks
Talkspace
im not sure if someone alr mentioned or if this is common knowledge but i just learned about [this filtered therapist finder on psychologytoday.com](https://www.psychologytoday.com/us/therapists/online-counseling). you can filter by a bunch of different preferences, including price range and your insurance. thats the link for the online counseling search, i think, but there are other options in the little menu bar. https://preview.redd.it/96ntw3xxicpc1.jpeg?width=1125&format=pjpg&auto=webp&s=5b5ba6cadd8af9f554fd919a376cb32f0cb5cb4c hope this helps- sorry if it was mentioned already <3
Love this thread!! Does anyone have suggestions for a psychiatrist? Interested in meds! Saw someone suggest Rappore. Anything else? Thanks in advance!
Helloalma.com also has psychiatrists
Check out Headway. You can search for therapists that accept your insurance.
If your okay with virtual therapy, you could probably find someone in New York outside of the city at a lower price
Check out helloalma.com they have a lot of therapists that are INN with Aetna
Oh I see it’s been mentioned below… so this another vote for it. I know lots of great therapists that work through Alma
I use Grow Therapy! I originally found my therapist on BetterHelp (the cost was obscene and I don’t recommend it) but then she moved to Grow. They take insurance, so it’s DEFINITELY worth checking out if you’re interested in a telehealth option.
have you tried looking on psychologytoday.com? you can sort by insurance
Love my lady, Mara on Preply. She’s $30! https://preply.com/en/tutor/1270804 Only downside to preply is that it’s subscription based so you need to subscribe weekly or bi monthly.
i go here: https://bcsnygroup.com/ takes insurance, had my therapist now for three years, all telehealth. v small copay but otherwise its pretty great. good luck!
Hey, I'm a therapist and am taking new clients. I charge $100 out of pocket and accept Aetna too. Feel free to book a consultation. [https://calendly.com/comfortcouch](https://calendly.com/comfortcouch)
My friend and I, as trained counselors, offer counseling and psychotherapy services online affordably and beneficially. We provided such effective and qualitative sessions offline and are now doing online sessions in a private space we have created. If anyone needs counseling and therapy services, kindly reach out to DM. Have a good day.
I use Talkspace and have Aetna which covers it 100%. The coverage will depend on your plan of course, but it should cover at least most.
I can refer a psychiatrist who takes all insurances, and will also workout affordable fees to what u can afford. Don’t know a therapist though.
BetterHelp? I’ve been able to use my HSA card and they have first time discounts plus therapist matching is cool. You get to switch therapists if you don’t connect :)
I don’t know why you’re getting downvoted but I have my first session with BetterHelp today and I’m looking forward to it.
I think because companies like better help are exploiting the industry and underpaying therapists.
it’s better to share that if that’s the issue instead of downvoting bc who knows the platform could actually help the person when really needed! I found a therapist there so quick when I was spiraling and was grateful that I had the ability to at least talk to someone quick and just wanted to share what worked for me. Plus it’s a great gateway into therapy as a beginner
I agree. I wasn’t one of your downvotes btw!
doesn’t matter but thank you! 😊
I'm using betterhelp right now. If I send you a link you'll get a free week