Wayne Mental Health CenterMental health inquiry resource

Insurance

Insurance & payment options

In-network plans, self-pay, and sliding-scale options.

Need urgent support? This website is not an emergency service. If there is immediate danger, call 911 or go to the nearest emergency department. In the U.S., call or text 988 or chat at 988lifeline.org for mental health crisis support.

Insurance coverage for mental health care varies widely by plan. We’re commonly accepted in-network with the carriers below; coverage details depend on your specific plan, deductible, and benefits. Please call (973) 791-7268 to verify your benefits before your first appointment, or use our contact form and we’ll help you check.

Carriers we commonly work with

Coverage and benefits vary by plan. The notes below describe how to verify your specific plan; they are not blanket coverage statements.

  • Horizon Blue Cross Blue Shield of New Jersey

    NJ

    Plans through Horizon Blue Cross Blue Shield of New Jersey vary; call to verify your specific plan and benefits.

  • Aetna

    NJ + NY

    Plans through Aetna vary; call to verify your specific plan and benefits.

  • Cigna

    NJ + NY

    Plans through Cigna vary; call to verify your specific plan and benefits.

  • UnitedHealthcare

    NJ + NY

    Plans through UnitedHealthcare vary; call to verify your specific plan and benefits.

  • Oscar

    NJ

    Plans through Oscar vary; call to verify your specific plan and benefits.

  • Empire Blue Cross Blue Shield of New York

    NY

    Plans through Empire Blue Cross Blue Shield of New York vary; call to verify your specific plan and benefits.

Cost and insurance — common questions

Five questions people most often ask before scheduling. For our full FAQ, visit our FAQs hub.

  • How much does therapy in Wayne, NJ typically cost?
    Costs vary by provider, session type, and whether you use insurance or self-pay. Many practices accept commercial insurance, which can reduce out-of-pocket costs to a copay. Self-pay and sliding-scale options are also available at some practices; call to discuss specific rates and options that fit your situation.
  • Do you take my insurance?
    Coverage for mental-health visits varies by plan and provider. Many commercial plans through Horizon Blue Cross Blue Shield of New Jersey, Aetna, Cigna, UnitedHealthcare, Oscar, and similar carriers cover therapy and psychiatry visits. Call to verify your specific plan and benefits before scheduling so you know what to expect for copays, deductibles, and prior-authorization requirements.
  • What if I don't have insurance?
    Self-pay and sliding-scale options are available at many practices; call to discuss. Rates and structures vary by provider and session type, and some clinicians reserve a portion of their caseload for reduced-fee work. Asking up front about both standard and reduced rates makes it easier to plan for ongoing care.
  • Are mental-health visits covered like regular medical visits in NJ?
    Under federal mental-health parity laws and New Jersey state requirements, most commercial plans cover behavioral-health visits similarly to medical visits. That said, copays, deductibles, session limits, and prior-authorization rules vary by plan. Call your insurer's member services line — or call the practice — to verify the specifics for your benefits.
  • Do I need a referral to see a therapist or psychiatrist?
    Most New Jersey commercial plans (PPO and EPO) do not require a referral for outpatient mental-health visits. Some HMO plans do require a primary-care referral before mental-health benefits apply. Verify with your plan's member-services line before scheduling so the visit is processed correctly the first time.

Still have questions?

Reach us at +1-973-791-7268 or send a message via our contact form. We respond within 1 business day.

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