Find a Therapist Who Takes Your Insurance in New York
WHAT YOU’LL PAY
Most clients pay little or nothing
More than 3 in 4 clients pay $0 out of pocket, and 97% pay $30 or less per session.
100% of MMHC members have their exact copay confirmed before their first session.
Out of network? We can provide superbills you may submit for possible reimbursement.
Insurance status does not create a separate wait queue.
Rated 4.0 on Google
IN-NETWORK
accepted insurances
OUT OF POCKET
$0
for more than 3 in 4 clients
TRUSTED BY
5,000+
clients served since 2014
91+ therapists · 5,000+ clients since 2014 · Rated 4.0 on Google · 9 accepted insurances · 100% telehealth in New York
Quick Answers About Insurance
Does MMHC take my insurance?
We are in-network with Aetna, Cigna, United Healthcare, Healthfirst, Molina Healthcare, Affinity, Medicare, Medicare Advantage, TRICARE, Oscar, Fidelis and MVP. We verify your specific plan before your first session.
How much will I pay with insurance?
More than 3 in 4 clients pay $0 out of pocket, and 97% pay $30 or less per session. Your exact cost depends on your plan’s copay and deductible, and we confirm it with your insurer before your first session.
Do I need a referral to start therapy?
No. Most plans we accept do not require a referral for outpatient mental health care. We confirm your plan's rules when we verify benefits.
Do you accept Medicare?
Yes, MMHC accepts Medicare Advantage. We confirm your specific plan benefits before scheduling.
How quickly can I start?
First sessions are often available within 5 days of submitting the form. Insurance status does not create a separate wait queue.
In-Network Telehealth, Verified Before You Book
Manhattan Mental Health Counseling is a telehealth psychotherapy practice serving adults and couples across New York State. Founded in 2014, the practice works with 91+ therapists and is in-network with Aetna, Cigna, United Healthcare, Healthfirst, Molina Healthcare, Affinity, Medicare Advantage, TRICARE, Oscar, and more.
We verify each client's benefits before the first session and hold all sessions by secure, HIPAA-compliant video. There is no in-person option; you only need to be physically located in New York State during sessions.
Insurance We Accept
We are in-network with the plans below. If your plan is one we accept, we verify whether therapy is covered and what you will pay before your first session. Select your plan to see how coverage works for it.
✓ In-network
✓ In-network
✓ In-network
✓ In-network
✓ In-network
✓ In-network
✓ In-network
✓ In-network
✓ In-network
✓ In-network
✓ In-network
✓ In-network
If your plan is not listed, you may still be covered through out-of-network benefits. See Self-pay and out-of-network below.
How Insurance Verification Works
You do not have to decode your benefits alone. Before your first session, our coordinator confirms your coverage with your insurer, so you know your exact cost before you book.
Tell us your plan.
Submit the contact form with your insurance details and what you are looking for.
We verify your benefits.
We contact your insurer directly and confirm whether therapy is covered, your copay, and any deductible before your first session.
We tell you your exact cost.
You get your confirmed copay before your first session.
Schedule and start.
We match you to an in-network clinician and book your first secure video session. If the first match is not right, we help you look for another available MMHC therapist.
What You Will Pay with Insurance
Your out-of-pocket cost depends on your plan. Here is how the pieces work.
| Cost factor | What it means | At MMHC |
|---|---|---|
| Copay | A fixed amount you pay per session. | Many clients pay $0; 97% pay $30 or less. |
| Deductible | The amount you pay before insurance starts covering costs. | Varies by plan; we verify before your first session. |
| Coinsurance | A percentage you pay after meeting your deductible. | Varies by plan. |
For commercial insurance visitors specifically, Manhattan Mental Health Counseling's proprietary Q2 2026 data shows 8 in 10 Cigna, Aetna, and United clients pay $30 or less, and 1 in 4 pay nothing. Cigna averaged $19.73, Aetna averaged $20.25, and United averaged $24.81 in Q2 claims. We still verify your exact plan before your first session.
More than 3 in 4 clients pay $0 out of pocket, and 97% pay $30 or less per session. We confirm your exact cost before your first appointment.
Under the Mental Health Parity and Addiction Equity Act, insurers must cover mental health care on par with physical health care, but coverage terms still depend on your plan, deductible, network rules, and medical-necessity requirements.
Because Manhattan Mental Health Counseling is telehealth-only, we confirm your plan's telehealth coverage before your first session.
Comprehensive Mental Health Conditions and Treatment Methods Covered
Our 91+ therapists are experienced in addressing a broad variety of mental health concerns and utilizing a wide variety of therapeutic modalities.
ANXIETY
DEPRESSION
SELF ESTEEM
TRAUMA
FAMILY ISSUES
COPING SKILLS
MINDFULNESS
CBT THERAPY
EMDR THERAPY
LIFE TRANSITIONS
OCD THERAPY
SOCIAL ANXIETY
MEN’S ISSUES
BIPOLAR DISORDER
DOMESTIC ABUSE
PHOBIAS
INTEGRATION
PORN ADDICTION
ADHD
BURNOUT ISSUES
DBT THERAPY
ANGER MANAGEMENT
PTSD
WORK STRESS
CAREER COUNSELING
GRIEF
MARRIAGE COUNSELING
EATING DISORDERS
SPIRITUALITY
YOUNG ADULTS
LGBTQ
SUBSTANCE ABUSE
SEXUAL ABUSE
PARENTING
SOMATIC THERAPY
WOMEN’S ISSUES
Self-Pay and Out-of-Network
If your plan is not one we are in-network with, you may still have coverage. Many out-of-network plans, meaning care from a provider outside your insurer's preferred network, reimburse part of the session cost, and many people have out-of-network benefits without realizing it.
To check, ask your insurer: do I have out-of-network benefits for outpatient mental health, what is my reimbursement rate, and do I have a separate out-of-network deductible? MMHC provides superbills, the itemized receipts you submit for reimbursement; the amount your plan pays back depends on your out-of-network benefits.
Therapy is also typically eligible for pre-tax Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs). Our self-pay rate is $175 per 53-minute session.
Submit the contact form or call 212-960-8626 to talk through the options.
Why Choose Manhattan Mental Health Counseling
MMHC works with 91+ therapists, including licensed mental health counselors and supervised limited permit holders in New York State, with training across anxiety, depression, trauma, OCD, and more. Paneling varies by clinician, so we match you to a therapist who is in-network with your specific plan and confirm it before you book. We verify your benefits before the first session, hold all sessions on a secure, HIPAA-compliant video platform available anywhere in New York State, and first sessions are often available within 5 days of submitting the form. If the first match is not right, we help you look for another available MMHC therapist.
Not Sure Which Plan You Have?
We verify everything for you before your first session and explain your exact cost clearly. Tell us what is on your insurance card and we take it from there.
Frequently Asked Questions
If you don't see your question here, contact our support team at 212-960-8626.
Get Matched with a Therapist Who Takes Your Insurance
Tell us what is on your insurance card. We verify your exact copay, confirm whether a referral is needed, and match you to an in-network clinician, often within 5 days. Rated 4.0 on Google, with 5,000+ clients served since 2014.
In-network with 9 major New York plans
Exact copay confirmed before session one
First session often within 5 days
Prefer to talk? Call 212-960-8626
Manhattan Mental Health Counseling · Telehealth across New York State
Hours: Monday-Friday 8am-8pm
NB
Reviewed by Natalie Buchwald, LMHC-D
Founder and Founding Clinical Chair of Manhattan Mental Health Counseling and a licensed mental health counselor in New York State (License #D4643). She directs MMHC's model of compassionate, individualized care.
Last Updated: June 2026 | Next Review: December 2026
References
Centers for Medicare & Medicaid Services. Mental health parity and addiction equity. https://www.cms.gov/marketplace/private-health-insurance/mental-health-parity-addiction-equity
Medicare.gov. Mental health care (outpatient). https://www.medicare.gov/coverage/mental-health-care-outpatient
Manhattan Mental Health Counseling. Does health insurance cover psychotherapy? https://manhattanmentalhealthcounseling.com/does-health-insurance-cover-psychotherapy/
Manhattan Mental Health Counseling. Meet all therapists. https://manhattanmentalhealthcounseling.com/meet-all-therapists/
Manhattan Mental Health Counseling. Meet the founders. https://manhattanmentalhealthcounseling.com/meet-the-founders/
Note: This page is for informational purposes and is not medical advice. If you have persistent or concerning symptoms, consult a licensed medical professional.