Rates & Insurance for Therapy in NJ, NY & CT
Your first consultation is free. In New Jersey we’re in-network with Horizon BlueCross BlueShield, Cigna, UnitedHealthcare, and TRICARE. For New York and Connecticut, we provide out-of-network support and superbills. FSA/HSA accepted.
Telehealth across NJ · NY · CT · In-person in Rutherford, NJ
Insurance at a glance
How insurance works with Living Optimally. We help you check benefits, submit claims or superbills, and choose the payment option that fits.
Free consult
Book a free 30-minute telehealth consult. We’ll learn what you need, review schedule and coverage, and outline next steps so you can decide with confidence.
New Jersey Coverage
In network with Horizon BCBS, UnitedHealthcare, Cigna, TRICARE. You pay copay or coinsurance after deductible. We verify benefits and file claims.
New York & Connecticut
If your plan has out of network benefits, you pay the session fee and receive a superbill. Many clients get partial reimbursement.
Ways to pay
Pay with FSA or HSA, credit, or debit through our secure portal. Itemized receipts include required codes. Self pay and automatic payments are available.
Coverage varies by plan. We’ll help you verify benefits.
Coverage: In-network & Out-of-network
Simple coverage in NJ, NY, and CT. In-network in New Jersey; easy superbills for New York and Connecticut; FSA/HSA accepted.
New Jersey coverage, in-network
If your plan is with Horizon BlueCross BlueShield, Cigna, UnitedHealthcare, or TRICARE in NJ, you typically only pay your copay. We verify benefits, submit claims on your behalf, and keep billing simple.
New York and Connecticut coverage, out-of-network
If your plan includes out-of-network benefits, you may receive partial reimbursement after your deductible. You pay our session fee, we share a superbill, and you submit it to your insurer. Customer service can confirm your percentage and deductible.
FSA and HSA
You can use your FSA or HSA card directly in our secure payment form. Prefer to use a regular card and file for reimbursement later? That works too. We include everything your plan requires on your receipt.
How billing works
Four simple steps to calmer days at home one week at a time.
Verify benefits
We can help you call your plan or you can use the number on your card.
Pay the amount due
Copay, coinsurance, or the self-pay rate if out-of-network.
Get receipts
superbill and payment statements are available anytime for reimbursement or your records.
Private • HIPAA-compliant • No travel required
Private parenting support
Targeted strategies for calm routines, cooperation, and follow-through.
Book Free ConsultationGroup parenting support
Community and practical tools you can start using this week.
Join WaitlistIndividual therapy
One-to-one support to learn skills, shift patterns, and feel steadier.
Book Free ConsultationCouples therapy
Communication and repair that fit real life at home.
Book Free ConsultationFamily therapy
Work together on patterns, routines, and support.
Book Free ConsultationWe aim to keep our services accessible while providing meaningful support for you and your family.
Self-pay rates
Paying privately? Here are the current fees for a standard 45–60 minute visit:
Frequently Asked Questions
Answers to common questions about coverage, costs, and payment.
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Yes. Share your member ID and date of birth during the consult. We confirm eligibility, copay or coinsurance, and any deductible before your first session.
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You pay the session fee up front. We provide a detailed superbill. You submit it to your insurer. If your plan includes out of network benefits, the insurer may reimburse you after your deductible.
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Add your HSA/FSA card in our secure payment portal and we’ll charge it at each session. You’ll automatically receive an itemized receipt you can keep for your records.
Ready to get started?
Book a free 30-minute consult. We’ll verify benefits, explain copays, and map next steps that fit your schedule. Telehealth across NJ, NY and CT; limited in-person available in Rutherford, NJ.
