Therapy for Busy People

Rates & Insurance

Rates & Insurance | Caroline Given, LCSW – NY & FL

Therapy Services (New York & Florida residents only)

My fee for a 50-minute session is available upon request. Please reach out via the contact page or book a free consultation to discuss rates.

I am a private-pay therapist and do not accept insurance directly. However, I’m happy to provide superbills (receipts) for clients who wish to seek out-of-network reimbursement. Many PPO plans—including Aetna, Cigna, and Blue Cross Blue Shield—offer partial reimbursement for licensed therapy services. Please check with your insurance provider to confirm your benefits.

I also accept HSA/FSA funds for therapy sessions.

Coaching Services (Available nationwide and internationally)

If you live outside of New York or Florida, or if you’re seeking a more goal-oriented, future-focused approach, coaching may be a better fit.

Coaching sessions are conducted via secure video. Rates are available upon request. Coaching is not covered by insurance and is not eligible for HSA/FSA use.

Payment Information

Payment is due in full on the day of your session. I accept Apple Pay, Venmo, and Zelle.

 

Why Many Clients Choose Private-Pay Therapy

  • Most insurance plans require a formal diagnosis to approve therapy coverage. This can create pressure for therapists to assign a label that may not fully reflect your concerns. As a private-pay provider, I can focus on your evolving needs—without being limited by diagnostic codes or treatment timelines.

  • Insurance often places caps on the number of sessions you can attend each year. If you exceed that amount, additional sessions may require authorization or proof of “medical necessity.” In contrast, private-pay therapy offers more freedom to structure care around your goals, not a coverage deadline.

  • Insurance billing often requires therapists to share your diagnosis, dates of service, and sometimes even clinical notes. This information may become part of your permanent medical record. Private-pay therapy allows you to keep your care truly confidential—between you and your therapist.

  • Many seasoned therapists choose private-pay models to maintain autonomy, reduce administrative burdens, and provide higher-quality, personalized care. Private-pay practice allows clinicians to spend more time with clients and less time navigating paperwork, billing codes, and insurer restrictions.