Home/Insurance & Fees

Insurance & Fees

Clear Coverage. Transparent Costs.

Clear Thoughts Psychiatry accepts a variety of insurance plans and offers self-pay options for patients who are uninsured or prefer not to use insurance benefits.

Payment Options

Your Payment Options at a Glance

Our office can assist with reviewing your benefits and explaining potential out-of-pocket expenses before your appointment.

Insurance Accepted

Select major insurance plans.

Self-Pay Available

Clear, straightforward appointment rates.

Benefits Verification

Assistance understanding your coverage.

Superbills Available

For potential out-of-network reimbursement.

Accepted Insurance Plans

In-Network Insurance

We participate with select plans from the following insurance providers:

Aetna AARP Blue Cross Blue Shield of New Jersey Cigna Humana Luminare Health Medicare Meritain Health Oxford Health Plans UMR 1199SEIU Anthem / Empire Plans

Insurance participation may vary by specific plan, network, provider, and service location. Please contact our office to confirm your coverage before scheduling.

Insurance Verification

Before your first appointment, our office can help review:

  • Active insurance coverage
  • Copays, deductibles, and coinsurance
  • Outpatient mental health benefits
  • Estimated patient responsibility

Verification of benefits does not guarantee payment. Final coverage and reimbursement decisions are determined by your insurance plan.

Out-of-Network Options

If your insurance plan is not accepted, you may still choose to receive care through our self-pay option.

A superbill can be provided upon request for possible reimbursement through out-of-network benefits. Reimbursement is not guaranteed and depends on your individual insurance plan.

Self-Pay Options

Straightforward Pricing

Self-pay appointments are available for patients without insurance or those who prefer to pay directly.

Self-pay rates for psychiatric appointments
Appointment Type Duration Rate
Initial Psychiatric Evaluation 60 minutes $300
Medication Follow-Up 20 minutes $120
Extended Follow-Up 45 minutes $150

Payment is due at the time of service. Please contact our office to confirm current rates and payment options.

Appointment Policy

Cancellation & No-Show Policy

Your appointment time is reserved specifically for you. Please provide at least 24 hours' notice if you need to cancel or reschedule.

Appointments canceled with less than 24 hours' notice or missed without notification may be subject to a $50 fee, where permitted by applicable law and insurance agreements.

Exceptions may be considered for emergencies or extenuating circumstances, consistent with practice policy.

Questions About Insurance or Fees?

We're happy to help.

Our office is happy to answer questions about coverage, payment options, and getting started.

In a crisis or need urgent help? Clear Thoughts Psychiatry does not provide emergency or after-hours crisis services. If you are experiencing a psychiatric emergency, call 911 or the 988 Suicide & Crisis Lifeline. You can also text NJ to 741741 for the Crisis Text Line, or call 201-262-4357 (262-HELP) for Bergen County mobile crisis response.