How much does therapy cost with NYSHIP / The Empire Plan?

How out-of-network coverage works

We're an out-of-network practice for NYSHIP / The Empire Plan. That means we aren't contracted at a set in-network rate — but The Empire Plan has unusually strong out-of-network mental health benefits, so your plan still helps cover care. We verify exactly what your benefits look like before you begin, so there are no surprises.

What affects your cost

• Your deductible. Until you've met your plan's deductible, you may have more out-of-pocket cost; once it's met, your plan covers a larger share.
• Your specific plan. Out-of-network benefits vary from plan to plan, which is why a quick benefits check matters.
• Assignment of benefits. Because we accept assignment, your plan pays the practice directly — so you're not fronting the full fee and waiting on reimbursement.

What you won't have to deal with

We carry the administrative load: no submitting your own claim forms, no chasing reimbursement, and no confusing paperwork. We verify your benefits, submit your out-of-network claims, and explain any out-of-pocket cost up front — so there are no surprise bills.

How to find out what you'll pay

The only way to know your precise cost is to check your specific benefits. Rather than calling the insurer, request a consultation and we'll verify your NYSHIP / Empire Plan out-of-network benefits for free and explain what to expect before your first session. Curious how many sessions are covered? See our guide on how many sessions The Empire Plan covers.

This article is general educational information, not insurance, legal, or financial advice. Coverage and costs depend on your specific NYSHIP / Empire Plan benefits. We verify your exact benefits for free before you begin.