Insurance & Payment Info
Simple, transparent payment options for therapy and ADHD testing. We are committed to making sure you understand exactly how payment works before you begin — no surprises, no confusion.
Payment — At a Glance
- ✓ In-network: Aetna (excl. Medicaid & Medicare)
- ✓ Also in-network: Lyra Health (select clinicians)
- ✓ Out-of-network benefits: most PPO/POS plans
- ✓ Credit & debit cards accepted
- ✓ HSA & FSA cards accepted
- ✓ Sliding scale available — please ask
- ✓ Payment due at time of service
We are happy to answer any payment questions
4 Ways to Pay for Your Care
Every client has different coverage. We support all four pathways and will help you understand which option works best for your situation.
Use Your Aetna or Lyra Health Benefits
The most straightforward option if you have Aetna coverage or access to Lyra Health through your employer.
- All therapists are in-network with Aetna (excludes Medicaid and Medicare plans)
- Select clinicians are in-network with Lyra Health
- We handle billing and claims on your behalf
- You pay only your copay or coinsurance at the time of service
- Let us know your insurer at booking — we verify your benefits as a courtesy
Use Your Out-of-Network (PPO/POS) Benefits
Most PPO and POS plans include out-of-network mental health benefits — often covering 50–80% of session costs after your deductible.
- Pay the full session fee at time of service
- We submit the claim to your insurer on your behalf, or provide a detailed superbill
- Your insurer reimburses you directly — typically 50–80% after your deductible
- We check your out-of-network benefits before your first session as a courtesy
- Note: reimbursement requires your insurer to receive a diagnosis from us
Pay by Credit or Debit Card
Straightforward self-pay — no insurance involved. All major credit and debit cards are accepted at time of service.
- All major credit and debit cards accepted
- Payment processed securely at time of service
- Full confidentiality — nothing shared with your insurer
- Sliding scale available for those who need fee adjustments — please ask
- Ideal when you prefer not to involve insurance in your mental health records
Use Your FSA or HSA Account
Flexible Spending Accounts and Health Savings Accounts can be used for therapy and ADHD testing — a tax-advantaged way to pay for care.
- FSA (Flexible Spending Account) cards accepted
- HSA (Health Savings Account) cards accepted
- Works even when your plan does not cover couples or premarital therapy
- A great option if you have funds available but want to avoid the insurance billing process
- Check with your FSA/HSA administrator if you have questions about eligible services
Our Insurance Coverage at a Glance
We keep access transparent. Here is exactly where we stand with major insurance plans.
Aetna
All therapists at Let's Talk are in-network with Aetna. This excludes Medicaid and Medicare plans. We handle billing directly so you only owe your copay or coinsurance.
Lyra Health
Select clinicians at Let's Talk are in the Lyra Health network. Lyra Health is offered by many employers as a mental health benefit. Contact us to find out which therapists are available through your plan.
All Other Plans
We are out-of-network with all other major insurers. If you have a PPO or POS plan, you likely have out-of-network benefits that reimburse 50–80% of session costs after your deductible. We can help you verify and claim.
How Out-of-Network Benefits Work
Out-of-network benefits are simpler than they sound. Here is the step-by-step process — and why many clients choose this route even when they have other options.
Confirm You Have Out-of-Network Benefits
Call the member services number on your insurance card and ask: "Do I have out-of-network benefits for mental health or behavioral health services?" We can also check this for you as a courtesy — just ask at your free consultation.
Understand Your Deductible and Reimbursement Rate
Ask your insurer: what is my out-of-network deductible, and how much have I met this year? What percentage of the "reasonable rate" do you reimburse after the deductible? Most plans reimburse 50–80%.
Pay at the Time of Service
You pay the full session fee at the time of each appointment using your card, FSA, or HSA. This is required because out-of-network providers do not bill insurers directly at the time of service.
We Submit the Claim or Provide a Superbill
We can submit the claim to your insurance company on your behalf, or provide you with a detailed superbill — an itemised receipt with all the codes your insurer needs. Your choice.
Your Insurer Reimburses You Directly
Once your deductible is met, your insurance company sends reimbursement directly to you — typically a cheque or bank transfer — based on their percentage of the "reasonable rate" for that service.
Example: How Reimbursement Adds Up
Note: the "reasonable rate" is set by your insurer and may differ from our session fee. Reimbursement amounts vary by plan. The example above is illustrative. We strongly encourage you to call your insurer directly to confirm your specific benefits.
CPT Billing Codes
When checking your out-of-network benefits, your insurance company may ask for CPT codes. Here are the codes your provider will use — keep this handy when you call your insurer.
| Service | CPT Code | Notes |
|---|---|---|
| Initial intake / assessment session | 90791 | Used for your first comprehensive evaluation session |
| 45-minute follow-up therapy session | 90834 | Standard individual therapy session |
| 60-minute follow-up therapy session | 90837 | Extended individual therapy session |
| Family or couples therapy session | 90847 | Couples therapy and family sessions with therapist present |
Questions to Ask Your Insurance Company
Call the number on the back of your insurance card and ask these questions. We recommend writing down the answers and the name of the representative you spoke with.
Do I have out-of-network benefits for mental health or behavioral health services?
What is my out-of-network deductible for mental health? How much have I met so far this year?
What percentage of the reasonable rate do you reimburse for out-of-network mental health sessions after my deductible is met?
Are teletherapy sessions covered under my out-of-network mental health benefits?
Are adult ADHD evaluations and psychological testing covered as a medical service under my plan?
What is the process for submitting a claim for out-of-network mental health services? Can my provider submit on my behalf?
A Note on ADHD Testing Coverage
Insurance coverage for adult ADHD testing varies more than coverage for therapy. Here is what to know before you begin.
Why Coverage Varies
Some insurance plans classify adult ADHD testing as an educational service rather than a medical one. This distinction matters — educational testing is typically not covered by health insurance, while medical testing may be. The classification depends on your specific plan and how the evaluation is coded.
- Ask your insurer specifically whether psychological testing for adult ADHD is classified as medical
- Ask for the CPT codes covered under your psychological testing benefit
- We verify your benefits before your evaluation begins and explain your options clearly
Your Options for ADHD Testing
- Use your Aetna in-network benefits (if your plan covers psychological evaluation)
- Use your out-of-network benefits and file for reimbursement with a superbill
- Pay with your HSA or FSA — ADHD evaluations are typically an eligible expense
- Self-pay by credit or debit card
- Ask about our sliding scale if cost is a barrier
Payment Questions We Hear Most
Transparent answers to the questions clients ask us about insurance, fees, and payment before they start. Still not sure? Call us at 917-283-0738 — we are happy to talk through your specific situation.
Book a Free ConsultWe are in-network with Aetna (excluding Medicaid and Medicare plans) and with Lyra Health for select clinicians. We are out-of-network with all other major insurance companies.
If you have a PPO or POS plan, you likely have out-of-network mental health benefits. Most plans reimburse 50–80% of session costs after your deductible. We can verify your coverage and submit claims on your behalf.
Payment is due at the time of service. You can pay using debit or credit cards, FSA cards, or HSA cards. You can also use your in-network or out-of-network insurance benefits. We do not offer payment plans — all fees are collected at each appointment.
Yes. Our rates align with the NYC market, and all of our clinicians offer a sliding scale when possible to help keep care accessible. 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.
Yes — we check your benefits as a courtesy so you know what to expect before your first session. Because insurers finalize coverage only when a claim is actually processed, we cannot guarantee benefits in advance. We strongly encourage you to also call your insurer directly to confirm your deductible, reimbursement rate, and any plan-specific conditions.
Yes. For out-of-network benefits, we can submit claims to your insurance company on your behalf, or provide you with a detailed superbill — an itemised receipt with all the CPT codes, diagnosis codes, and provider information your insurer needs to process your claim. We provide all the documentation required.
Coverage varies by plan. Some insurers classify adult ADHD testing as "educational" rather than "medical," which can limit or eliminate coverage. We verify your benefits as a courtesy before your evaluation begins and explain your options clearly — including HSA/FSA payment, which is typically available regardless of your insurance classification.
If your insurance plan does not include out-of-network coverage, your insurer will not reimburse your visits. In that case, you have these options:
Pay by credit or debit card. Use your FSA or HSA — both are accepted and typically cover therapy and ADHD testing. 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.
Good Faith Estimate
Your rights under the No Surprises Act.
You Have the Right to a Good Faith Estimate
Under federal law, healthcare providers are required to give patients who are uninsured or not using insurance a written estimate of 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 healthcare items or services, including therapy and psychological testing. Make sure your provider gives you this estimate in writing at least one business day before your appointment. You may also request it at any time before or during treatment.
If you receive a bill of $400 or more above your Good Faith Estimate, you have the right to dispute the bill. Save a copy of your Good Faith Estimate for your records. For more information about your rights, visit www.cms.gov/nosurprises.
To request a Good Faith Estimate from Let's Talk, call us at 917-283-0738 or mention it at your consultation. We will provide it in writing before your first appointment.
What Our Clients Say
Verified reviews from ZocDoc and Google — real words from real people who chose to work with our team.
Have a Payment Question? Let's Talk.
Our team is happy to walk through your insurance coverage, verify your out-of-network benefits, or discuss payment options before you commit to anything. Book your free 15-minute consultation today.
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