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Fees & Insurance

Investing in Your Mental Health

Choosing a therapist is a personal decision, and understanding the cost of care shouldn’t be a barrier to getting started. Evolve Psychological Services is a private pay, out-of-network practice. We do not bill insurance directly, and that choice is intentional.

Working outside of insurance networks allows us to:

  • Protect your privacy. Your treatment details stay between you and your clinician unless you choose to share them with your insurance plan.
  • Personalize your care. You and your clinician decide on your goals, approach, and session frequency, not an insurance company.
  • Focus on quality. We can offer specialized services, longer sessions, and therapy intensives that insurance plans often limit or don’t cover.

Many of our clients still use their insurance by submitting for out-of-network reimbursement and we make that process as simple as possible.

How Payment Works

  1. Start with a free phone consultation. Our intake coordinator will learn about your needs, match you with the right clinician, and answer any questions about fees. about your needs, match you with the right clinician, and answer any questions about fees.
  2. Add a card to your client portal. Before your first appointment, you’ll add a credit card to your secure TherapyNotes portal, and your fee is charged after each appointment.
  3. Receive your superbill or receipt. If you plan to use your out-of-network benefits, you’ll receive a superbill to submit to your insurance plan. For services that aren’t covered by insurance, you’ll receive a receipt. When and how you receive these depends on the service, as described under Superbills and Receipts by Service below.
  4. Submit for reimbursement. If you received a superbill, you submit it to your insurance plan, and your plan reimburses you directly based on your benefits.

Superbills and Receipts by Service

  • Psychotherapy (individual, child and teen, couples, family, and intensives): our billing coordinator will email you a superbill weekly or monthly, whichever you prefer.
  • Neuropsychological, ADHD, and autism evaluations: you’ll receive one superbill at the end of the evaluation, at your feedback session. It covers the full evaluation.
  • Immigration psychological evaluations: we can provide a receipt for your records.
  • ADHD and executive function coaching: coaching is not covered by insurance and has no insurance service codes, so we can’t provide a superbill. We’re happy to give you receipts, which you can keep for your own records and accounting.

Do I Have Out-of-Network Benefits?

Many PPO and POS plans include out-of-network mental health coverage, and some clients are reimbursed for a meaningful portion of each session. To find out what your plan covers, call the member services number on the back of your insurance card and ask:

  • Do I have out-of-network benefits for outpatient mental health services?
  • What is my out-of-network deductible, and how much of it have I met this year?
  • Once my deductible is met, what percentage of the session fee will be reimbursed?
  • Is there a limit on the number of sessions covered per year?
  • Do I need preauthorization or a referral?
  • Are telehealth sessions covered at the same rate as in-person sessions?
  • How do I submit a superbill, and how long does reimbursement usually take?

If you’re considering an evaluation, also ask whether psychological or neuropsychological testing is covered under your out-of-network benefits.

If you’d like help understanding your benefits, we’re happy to talk it through with you.

Frequently Asked Questions

Insurance Basics

We are out-of-network with all insurance carriers. We do not bill insurance directly.

Yes. Evolve Psychological Services is a private-pay, out-of-network practice serving clients in New Jersey, New York, and PsyPact states via telehealth. Many clients receive reimbursement for a portion of their sessions through out-of-network benefits.

In-network providers have contracted rates with insurance companies. Out-of-network providers, like Evolve Psychological Services, set their own rates and are not bound by insurance contracts, which allows us to offer specialized, individualized care without insurance dictating the type or length of treatment.

ADHD and executive function coaching are private-pay services. Coaching doesn’t have an insurance billing code, so it isn’t eligible for reimbursement and we’re unable to provide superbills for it. We’re happy to provide receipts for your records.

Fees by Service

Individual, couples, and family session fees vary by session type and length. Please call or email for details.

Fees depend on the referral questions being addressed, which determine the assessment instruments used, the number of testing sessions needed, and total time involved. All evaluations include a clinical intake and a feedback session. Please call or email for details.

Fees depend on the case type (Waiver, Asylum, VAWA, U-Visa, etc.), the number of individuals included in the report, and the requested turnaround time. Please call or email for details.

Fees for additional services, including report writing, telephone consultations with other providers or schools, preparation of records or treatment summaries, and other clinical tasks, are prorated in 15-minute increments based on the primary service type. Please note that most additional services may not be reimbursable by insurance.

Payment

All payment is due at the time of service. For neuropsychological evaluations, payment may be made in full at the first session or spread across a few payments over the duration of the evaluation.

We accept credit cards, HSA/FSA cards, debit cards, cash, and checks. Checks should be made out to Evolve Psychological Services.

Fees are reviewed and adjusted periodically to reflect increases in the cost of operations.

Cancellation

Please provide at least 24 hours’ notice to cancel or reschedule a therapy appointment. Sessions canceled with less than 24 hours’ notice will be charged the full session fee.

If you or a member of your household is diagnosed with a communicable illness (e.g., strep throat, flu, COVID-19) or you have a cough or fever, please contact your clinician to determine whether your session will be held virtually, rescheduled, or canceled.

Superbills & CPT Codes

A superbill is a detailed invoice that includes your demographic information, diagnosis codes, CPT service codes, and provider information. It is used to submit out-of-network claims to your insurance plan.

Superbills can be provided after each session or on a monthly basis. For clients submitting to insurance independently, we recommend submitting on a routine basis, as insurance companies have varying deadlines for out-of-network claims.

  • 90791, Initial Assessment/Evaluation, 45 min
  • 90834, Individual Therapy, 45 min
  • 90837, Individual Therapy, 60 min
  • 90847, Family Therapy with Client Present, 45 min
  • 90846, Family Therapy without Client, 45 min
  • 90791, Psychiatric Diagnostic Evaluation (1 unit)
  • 96130, Psychological Testing Evaluation, first hour (1 unit)
  • 96131, Psychological Testing Evaluation, each additional hour (5 units)
  • 96132, Neuropsychological Testing Evaluation, first hour (1 unit)
  • 96133, Neuropsychological Testing Evaluation, each additional hour (5 units)
  • 90889, Preparation of Report (4.4 units)

These services are billed in units and compiled into one invoice at the end of the evaluation. Please contact us for more information.