Frequently Asked Questions | Let's Talk Psychological Wellness NYC

Frequently Asked Questions

Honest answers to the questions we hear most — about therapy, insurance, scheduling, teletherapy, and payment. If you do not find what you need, we are always happy to talk.

✓ Aetna In-Network ✓ HSA & FSA Accepted ✓ Open 7 Days a Week ✓ Same-Week Screening ✓ NY · NJ · FL Telehealth
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Same-Week Screening

Free 15-minute consult available this week. Matched with a therapist within 0–5 business days.

Aetna In-Network

All therapists in-network with Aetna. Lyra Health with select clinicians. HSA & FSA always accepted.

Online Scheduling 24/7

Book your free consult any time online. Someone answers the phone 5 days a week during business hours.

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Getting Started

We provide evidence-based therapy for anxiety, depression, trauma, grief, and life transitions for adults from all backgrounds. Our clients include high-performing professionals in demanding careers, early-career individuals, college and professional school students (nursing, medical, public health, and law), new mothers, immigrants, and first-generation individuals.

We offer Individual, Couples, and Group Therapy — in-person in Midtown Manhattan and via telehealth across New York, New Jersey, and Florida. Care is available in English, Español, and हिंदी (Hindi).

We understand that waiting is hard. We offer a same-week complimentary 15-minute screening call with a licensed therapist, and therapist matching within 0 to 5 business days.

You can book your screening online 24/7. Someone also answers the phone 5 days a week during business hours to assist you directly.

After your free 15-minute screening call, a therapist will conduct a clinical assessment of your needs, goals, preferences, and schedule. We then match you with a therapist from our team of 15+ licensed clinicians whose training, cultural background, style, and availability best fit what you are looking for. We take this seriously — a good match is central to effective therapy.

Your first session is a chance for you and your therapist to get to know each other. Your therapist will ask about what brought you to therapy, your history, your goals, and what kind of support you are hoping for. There is no pressure to share everything right away — this is a process, and you set the pace.

Your therapist will also discuss how they work, what the treatment plan might look like, and answer any questions you have. Most clients feel a sense of relief just from having a space to be heard without judgment.

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Location & Hours

Our office is at 303 Fifth Avenue, New York, NY 10016 — between 31st and 32nd Streets in Midtown Manhattan. We are close to all NYC buses and subways, including the B/D/F/M/N/Q/R/W trains at 34th Street–Herald Square, and the 6 train at 33rd Street.

We also offer telehealth sessions for clients across New York, New Jersey, and Florida who prefer to attend from home or cannot come in person.

We are open 7 days a week to accommodate your schedule:

  • Monday – Friday: 8:00 am – 10:00 pm
  • Saturday – Sunday: 10:00 am – 6:00 pm

We offer daytime, evening, and weekend appointments. Early morning slots are also available with select therapists.

Yes. Through our telehealth platform, we serve clients throughout New York, New Jersey, and Florida. You do not need to be in New York City to work with us — you can attend sessions from anywhere within these states.

Select therapists also hold active licenses in additional states. If you are outside NY, NJ, or FL, please contact us to discuss your options.

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Teletherapy

Yes. We offer online therapy — sometimes called teletherapy — via HIPAA-compliant secure video. This is a flexible, convenient option available to all residents of New York, New Jersey, and Florida.

Research consistently shows that teletherapy is as effective as in-person therapy for most concerns, including anxiety, depression, and trauma. Many clients find attending from home removes a significant barrier to getting care.

You will need:

  • A device with a webcam (laptop, tablet, or smartphone)
  • A reliable high-speed internet connection
  • A private, quiet space where you feel comfortable speaking openly

Connection is quick and easy — your therapist will send you a secure link before your session. No special software download is required for most sessions.

Yes — for clients with Aetna coverage, telehealth sessions are covered in the same way as in-person sessions (excluding Medicaid and Medicare plans). If you have out-of-network benefits, those may also apply to teletherapy visits. When checking your coverage, ask your insurance provider directly: "Will my plan cover teletherapy as an out-of-network service?"

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Insurance & In-Network

All of our therapists are in-network with Aetna (excluding Medicaid and Medicare plans). Some of our therapists are also in the Lyra Health network.

We are out-of-network with all other major insurance companies. However, if you have out-of-network benefits, your plan may cover a significant portion of your sessions — see the Out-of-Network Benefits section below for full details.

If you have Aetna coverage (excluding Medicaid and Medicare), simply let us know when you book your consultation. We will verify your benefits and walk you through your coverage details — including any deductible, copay, or coinsurance that applies.

We handle the insurance billing on your behalf so you can focus on your care, not paperwork.

You may still be able to use your benefits through your plan's out-of-network coverage. Most PPO and EPO plans include out-of-network mental health benefits that reimburse 50%–80% of the session cost after your deductible is met.

We can help you check your out-of-network benefits and provide all the documentation (including Superbills) needed to file a claim with your insurance company. If you prefer, we can also file the claim on your behalf.

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Out-of-Network Benefits

Out-of-network benefits allow you to see providers who do not have a contract with your insurance company — expanding your choice of therapist well beyond the in-network directory. This is especially valuable when you are looking for a therapist with a particular specialty, cultural background, or therapeutic approach.

Your out-of-network benefits typically activate once you have met your deductible. After that, your insurer reimburses a percentage — usually 50% to 80% — of what they consider the "reasonable rate" for each session. You pay for the session at the time of service and then file a claim (or let us file it for you).

For example: if your reimbursement rate is 60%, your insurer pays 60% of the reasonable rate per session after your deductible is met.

We can check your out-of-network benefits coverage for you. We also recommend calling the member services number on your insurance card and asking:

  • Do I have out-of-network benefits for mental health / behavioral health services?
  • Do I have a deductible for out-of-network mental health benefits? How much is it, and how much remains?
  • What is the reimbursement rate (%) for mental health / behavioral health services?
  • Will my plan cover teletherapy as an out-of-network service?

Your insurance company may ask for CPT billing codes. Here are the ones your provider will use:

ServiceCPT Code
Intake / initial assessment session90791
45-minute follow-up session90834
60-minute follow-up session90837
Family / couples therapy session90847

Call the number on the back of your insurance card and ask these key questions:

  • Do I have out-of-network benefits for mental health / behavioral health services?
  • If yes — do I have a deductible for these benefits? What is the amount, and what is the remainder?
  • What is the reimbursement rate for mental health / behavioral health services? (The typical range is 50%–80% — meaning if your plan says 80%, they cover 80% and you are responsible for 20% after your deductible is met.)

Important: If your insurance plan does not include out-of-network coverage, your insurer will not reimburse your visits. However, you can always use a Flexible Spending Account (FSA) or Health Savings Account (HSA) to pay for sessions, and all our clinicians have a sliding scale — please inquire if needed.

Out-of-network therapists are not limited by the services authorized by insurance companies, which means we can offer a more flexible and personalized treatment plan adapted to your specific needs — including longer sessions, more frequent sessions, or treatment over an extended period when that serves you best.

As out-of-network providers, we are also not required to share your session information with insurance companies, which keeps your mental health records more confidential. Note: if you choose to seek reimbursement from your insurance — even for out-of-network services — you are consenting to your provider sharing your health information with your insurer, including a diagnosis.

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Payment & Fees

You can pay for sessions using:

  • Debit cards and credit cards
  • Flexible Spending Accounts (FSA)
  • Health Savings Accounts (HSA)

Psychotherapy is an important investment in your health. If cost is a concern, all of our clinicians operate a sliding scale — please ask about this during your consultation.

Yes. All of our clinicians have a sliding scale for clients who need fee adjustments. If cost is a concern, please mention this during your free consultation and we will do our best to find an arrangement that works. If we are not the right financial fit, we will refer you to another provider.

If your insurance plan does not include out-of-network coverage, your insurer will not reimburse visits. In that case, you have several options:

  • Use your FSA or HSA to pay for sessions — both are accepted
  • Ask about our sliding scale — all clinicians offer fee adjustments for those who need them
  • If we are not the right financial fit, we will provide referrals to other providers

Please call us at 917-283-0738 with any questions about payment and fees — we are happy to discuss your options.

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The Therapy Process

We use the most effective, evidence-based approaches for each person's specific concerns — tailored by their presentation, goals, and cultural context. Our therapists draw from:

  • CBT (Cognitive Behavioral Therapy) — to identify and shift unhelpful thought patterns
  • DBT (Dialectical Behavior Therapy) — to build emotional regulation and distress tolerance
  • ACT (Acceptance & Commitment Therapy) — to move toward values-aligned living
  • Psychodynamic Therapy — to build insight into the roots of patterns and behaviors
  • Gottman Method & EFT — for couples work
  • IPT (Interpersonal Therapy) — for depression and relationship patterns

We also use validated measures — including the GAD-7, PHQ-9, and ACEs — to track progress and ensure treatment is working. Sessions are collaborative, non-stigmatizing, and paced to your needs.

The length of therapy varies based on your goals, the nature of your concerns, and how you progress. Many clients experience meaningful improvement within 8 to 16 sessions. Others benefit from longer-term work, particularly when concerns have deep roots or involve complex patterns built over many years.

Your therapist will discuss timelines and goals early in treatment, review your progress regularly using validated measures, and adjust the plan as needed. You are always in charge of how long you continue.

Yes — what you share in therapy is completely confidential. Your therapist will not share information about your sessions with anyone without your written consent, with very limited legal exceptions (such as if there is an imminent risk of harm to yourself or others, or a court order).

If you choose to seek reimbursement from your insurance company — even through out-of-network benefits — you are consenting to your provider sharing limited health information with your insurer, including a diagnosis. This is a consideration some clients weigh when deciding how to pay.

Yes. We work closely with any other providers you may have — including psychiatrists, nurse practitioners, and primary care doctors — to ensure your care is coordinated and not siloed. With your written consent, your therapist can communicate with other members of your care team to align on your treatment plan.

We offer therapy in English, Español (Spanish), and हिंदी (Hindi). Some of our therapists also provide care in Arabic and Haitian Kreyòl. If language is important to you, let us know during your consultation and we will match you accordingly.

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Good Faith Estimate

Under federal law, healthcare providers are required to give patients who are uninsured or not using insurance a written estimate of their expected costs before services are rendered. This is called a Good Faith Estimate.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services, including therapy. Make sure your provider gives you this estimate in writing at least one business day before your appointment. You can also request it at any time during treatment.

Important: If you receive a bill of $400 or more above your Good Faith Estimate, you have the right to dispute the bill.

Keep a copy of your Good Faith Estimate for your records.

For more information, visit www.cms.gov/nosurprises.

You can request a Good Faith Estimate from us at any time — before scheduling, at the time of booking, or during your treatment. Simply call us at 917-283-0738 or mention it during your consultation and we will provide the estimate in writing before your first appointment.

Still Have a Question?

We are happy to answer anything that was not covered here. Call or text us at 917-283-0738, or book a free 15-minute consultation — we typically respond within one business day.

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