Rates & Insurance

$160 per 45-minute individual psychotherapy or relationship counseling session.

Self Pay
Out-of-pocket payment avoids insurance requirements and consequently offers better privacy. When insurance is used, the billing forms include diagnoses, service dates, and types of service.  Additionally, any insurance company can require clinical information when it decides to review for insurance eligibility. With self-pay, your information stays in my office. No information must be shared with any third party without obtaining your informed consent beforehand, unless information is required by the Court for a legal proceeding or there is a major threat to self or others. Those who choose self-pay will be furnished with a Good Faith Estimate of projected costs (See more on this subject below under Payment.).

Services may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by considering the following questions:

  • Do I have mental health insurance benefits for a Ph.D. clinical psychologist?
  • If  sessions are to occur through telepsychology, does my insurance plan cover telepsychology?
  • Is Dr. Fineberg a provider for my insurance company?
  • What is my deductible and has it been met?
  • What is my copay?
  • Is pre- authorization required by my insurance company? (If so, please get it before the first appointment.)
  • If I want to work on a relationship with those directly involved, will my insurance cover it?
  • Do I have out-of-network coverage?

Although most companies offer out-of-network coverage, I qualify for in-network coverage for the following:  Anthem BlueCross BlueShield,  Humana ChoiceCare, and Medicare. However, it is always wise to double check.

Note : If I am not in-network, most insurance companies have out-of-network coverage that will help pay. I can still bill insurance for you.

Cash and checks are accepted for payment. 

If you use insurance and I am in-network, you will owe the copay or a percentage of the allowed fee, after having paid the deductible. If you are using out-of-network coverage, you will be asked to pay whatever part of my charge that the insurance doesn't pay.

If you don't have insurance or are not using your insurance, under the law you have the right to receive a "Good Faith Estimate" of the cost of your psychotherapy. Consequently you have the right to receive a Good Faith Estimate for the total expected cost of any services to be rendered that are reasonably anticipated under non-crisis circumstances. As soon as a course of treatment can be determined, make sure that you are given a Good Faith Estimate. Note that the general fee of $160 per session has been already declared above, although special circumstances may warrant its adjustment. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. It is suggested that you first bring up the issue with Dr. Fineberg for potential resolution. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call CMS at 1-800-985-3059. Make sure to save a copy or picture of your Good Faith Estimate.

Cancellation Policy
If you do not come to your scheduled therapy appointment and you have not given notification at least 24 hours in advance, you will be charged $80
 for the session. If you use insurance, know that insurance pays nothing for a missed appointment.

Schedule Online
Request a therapy appointment online here .

Questions? Please contact me
for further information.

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