Therapy Covered by Insurance in New Jersey

A fixed amount you pay for each therapy session, depending on your plan.

The amount you pay out of pocket before your insurance begins covering costs.

The percentage of session costs you share with your insurance after your deductible is met.

Whether your plan covers online/video therapy sessions. This varies by plan.

Whether your specific therapist is in-network with your plan, which affects your costs.

Some plans require approval before therapy sessions begin. We can help you navigate this.

Yes, Human Institute works with several major commercial insurance plans as a courtesy to clients. Coverage depends on your individual plan, benefits, and eligibility. Our team can help verify your benefits before your first appointment.

We currently work with Aetna, Cigna, UnitedHealthcare, and Blue Cross Blue Shield / Horizon BCBS. Coverage and in-network status may vary. If your plan is not listed, contact us and we can help review your options.

Many insurance plans cover telehealth therapy sessions, but coverage depends on your specific plan. We offer secure online therapy throughout New Jersey. Contact us to check whether your plan covers virtual sessions.

If your plan has a deductible, you may be responsible for session costs until your deductible is met. Once met, your insurance may begin contributing. The specific amount varies by plan. Our team can help you understand your benefits before you begin.

Yes. As a courtesy, our team can help review your insurance benefits before your first appointment. Contact us with your insurance information and we will do our best to help clarify your coverage options.

If your insurance provider is not listed, please contact us. Our team can discuss self-pay options, payment plans, and other financial accommodations. We believe care should be as accessible as possible.