Insurance
Insurance and Payment Information
Strides in Psychotherapy is an out-of-network provider. In order to determine your benefits, please call our office manager and provide her with your insurance details. She will then contact your insurance carrier to obtain your benefits information and relay it to you.
To have your insurance benefits checked, please Click here and complete the top portion of the form and send it to officemanager@stridesinpsych.com. Someone will be in touch with you shortly.
For people with out-of-network benefits, payment involves deductibles and coinsurance. You are responsible for paying your deductible. Once the deductible is met, people generally continue to pay us in full up-front. We will gladly submit billing to your insurance company every few weeks for reimbursement, or else you can request a bill to submit to your insurance company yourself, if you prefer. Most insurance carriers will send reimbursement payments directly to the patient, and if you are paying us in full at the time of your session, you can simply deposit your insurance checks when they arrive. If the insurance check comes to us, we will send you a reimbursement check for that amount.
For people who have New Jersey-based insurance plans, and who are diligent about paying us on time, you also have the option of simply paying your coinsurance up front, once your deductible has been met. We will submit billing to your insurance company every few weeks. If the insurance check comes to us, we will keep it, since it would then belong to us. If the insurance check comes to you (which it often will), you must provide us with the endorsed check once you receive it, pay us the amount owed by personal check, or else authorize us to put the insurance check amount onto your credit or debit card on file with us. If you do not pay us the insurance money owed to us in a timely manner, this option will no longer be available to you, and you will be required to pay us in full up front each session.
Please note:
Not all insurance carriers/plans will accept our full fee–you are responsible for any balance owed beyond what your insurance company will pay, which may impact the amount of coinsurance that you pay each session when not paying our full fee up-front. Generally, insurance companies will not tell providers the amount that they will allow per session, so we will not know for certain what they will allow till we start receiving reimbursement from them. Our rates are low enough that our fee is often fully allowed by insurance companies, but not always, and we cannot guarantee that it will be. You are welcomed to contact your insurance company yourself to see if they will tell you this information up front.
*Fees are subject to change periodically to reflect changes in the costs of living and of doing business.*
Methods of Payment
We accept cash, checks, and all major credit cards, as well as debit cards and health savings account checks and credit cards. Please note that we now charge a 3.5% service fee on all credit card transactions. This fee is not charged when paying by cash or check, or when using your FSA, HSA, HRA card or debit card.