My staff will be happy to check the particulars of your insurance coverage for you.

Insurance
I participate with medicare.  I am out-of-network with all other insurances, but accept assignment as a courtesy.  This means that I will bill your insurance for you, and you may then have a deductible and weekly co-pays.  The cost of my services is often similar to what it would be in-network.  At times the out-of-netwok cost is higher, however most clients report that the cost of out-of-network services is well worth it.  

I am not in-network with any panels because they reduce confidentiality, unneccessarily increase paperwork, and limit my ability to practice in an individualized fashion.  

Being out-of-network allows me to offer a higher quality service.  I am able to focus my attention on you, rather than on excess red tape.

Rates
Fees are usual and customary for established clinical psychologists in the NJ area:

$175 for a typical 45-minute session
$230 for a 60 minute session
$255-275 for a 60-75 minute session
$300 for an initial 1 hour evaluation

Once any deductible is met, typical 45 minute sessions result in a $35 copay for plans with 80% coverage, a $48 copay for plans with 70% coverage, and an $87.50 copay for plans with 50% coverage. Sometimes copays are slightly more due to idiosyncracies of particular plans (eg low ball "allowable artes")

Payment
Cash, check and all major credit cards are accepted for payment.

My staff makes out-of-network benefits convenient and hassle free.   We submit all billing to insurance for you, so  you will not have to deal with superbills yourself.

State and city benefits are usually excellent!

Cancellation Policy
I do not overbook my day, because I want to have peace of mind to give you the attention you deserve.  This means I hold open your session time for you alone.  If you cancel your appointment without 24 hour notice, I must charge you in order to recoup overhead expenses.  This is standard policy for mental health professionals.

If you are reading this section you are probably seriously considering therapy.  Why not call or email today to begin feeling relief?  It feels good to get started!   Email drmiriam@miriamadlertherapy.com or call 973-815-0777, ext. 201 or 253.