Insurance and FAQs
Getting Started
Who can be seen at Daylight Therapy Services?
Clients must be residents of New York, New Jersey, or Florida. By law, therapists may only provide services to clients who are physically located in the states where they are licensed to practice at the time of the session.
How often should clients meet?
Most clients begin with weekly sessions to build momentum and support consistent progress. As therapy continues, sessions may shift to bi‑weekly based on your goals, needs, and preferences. We’ll decide on a schedule together during your intake and adjust as needed over time.
Fees & Insurance
What are your rates?
- Initial session: $220
- Individual sessions: $200
- Family sessions: $250
- **Half and double sessions can be accommodated if there is availability**
- Late cancellation / no‑show fee: $100
- Letters: $25 per page
- FMLA / disability / medical leave forms: $150 per form
Do you take insurance?
Yes! We currently accept Aetna, UnitedHealthcare, Oscar, Oxford, UMR, Meritain, and a few other plans. If you’re unsure whether your plan is accepted, feel free to reach out and we’ll be happy to check for you.
Can I use my out‑of‑network benefits?
Absolutely. Daylight Therapy partners with a third‑party billing service called Thrizer to help clients use their out‑of‑network benefits.
Thrizer:
- Estimates your potential reimbursement
- Submits claims on your behalf after each session
- May allow you to pay only your co‑insurance instead of the full session fee, if approved by your insurance
Thrizer is optional, but many clients find it helpful for simplifying the reimbursement process and reducing stress around insurance.
If you prefer, you may also request a monthly superbill to submit directly to your insurance company for potential reimbursement.
How are sessions billed for insurance or out‑of‑network claims?
Sessions are typically 50–53 minutes long and follow standard insurance guidelines. They are billed using CPT codes 90834 or 90837 for reimbursement purposes. Claims can be submitted through Thrizer or supported with a monthly superbill.
What if I don’t have insurance or out‑of‑network benefits and can’t afford the full rate?
We believe financial barriers should not prevent access to meaningful mental health care. A limited number of sliding‑scale spots are available for clients experiencing genuine financial hardship. If you are seeking a reduced fee, please let us know when you contact us and we will have a confidential discussion about your financial need.
Availability is strictly limited, and reduced‑fee spots fill quickly. If no openings are available, you may be placed on a waitlist.
For immediate, affordable care, we strongly recommend exploring resources like Open Path Collective or other trusted, low-cost community clinics, and we are happy to provide those specific referrals.
Wondering if you have out-of-network benefits?
Use the calculator below to get an instant breakdown of your coverage, deductible, and reimbursement.
What is a Good Faith Estimate?
You have the right to request a Good Faith Estimate, which provides a clear overview of the expected costs for your care, including session fees and any additional services. This estimate helps you plan ahead financially, understand your potential responsibility, and feel informed with the financial commitment before beginning therapy.
To request a Good Faith Estimate, simply reach out by phone or email and it will be provided to you.
Policies & Paperwork
What is the cancellation & no‑show policy at Daylight Therapy Services?
To support consistent care and respect reserved session times, at least 24 hours’ notice is required for all cancellations or rescheduled appointments.
- Appointments canceled or missed with less than 24 hours’ notice will incur a $100 late cancellation or no‑show fee
- This fee is the client’s responsibility and is not billable to insurance
If an unexpected emergency or illness arises, please reach out as soon as possible. These situations are considered on a case‑by‑case basis.
Do you fill out FMLA, disability, or medical leave forms?
Yes. We complete FMLA, disability, and medical leave paperwork for established clients who have been engaged in ongoing therapy for at least four consecutive weeks.
- Fee: $150 per form
- Forms require time and careful clinical review to complete accurately
If you have additional questions that aren’t answered here, please don’t hesitate to reach out! We’re happy to help and look forward to supporting you on your therapy journey.