Kaerensa Craft, LCSW, PSYCHOTHERAPY

NY, NY | Montclair, NJ

PAYMENT AND INSURANCE

My standard fee for psychotherapy is $250 per 45-minute session. I offer sliding scale depending on insurance coverage, need, and ability to pay.

INSURANCE

I am an in-network provider with UnitedHealthcare (UHC) and its subsidiaries (Oxford, UMR, Surest, Bind, NYCE PPO, and Optum). Unfortunately, I am not in-network for Community Plans administered through UHC.

For all other insurance plans, I am an “out-of-network” provider, which means that your insurance plan must include out-of-network mental health benefits (also referred to as “behavioral health” benefits) to cover services with me. If you are not sure about whether your plan has out-of-network benefits, please contact the number on the back of your insurance card to ask the questions below.

FOR OUT-OF-NETWORK PLANS: QUESTIONS TO ASK YOUR INSURANCE REPRESENTATIVE
  1. Do I have out-of-network benefits?
  2. What is the cost of my deductible before my plan starts paying on out-of-network services?
  3. Is my deductible for mental health/behavioral health separate from my deductible for physical health, or is the deductible combined?
  4. Do I have an in-network deductible as well, and if so, does that count toward my out-of-network deductible?
  5. How much of my deductible has already been met?
  6. How much is my out-of-pocket maximum for the year?
  7. Does my plan require pre-authorization? (If yes, you should request authorization at this time. If needed, my National Provider ID (NPI) number is 172-010-3807. The procedure or CPT code for a 45-minute individual psychotherapy session is 90834.) Also: Does my plan require periodic re-authorization? (If yes, you should ask how many visits the initial authorization covers so that you will know when to request re-authorization for additional visits.)
  8. How do I submit claims for reimbursement?