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Consultation
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Cigna
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  • What insurance plans do you accept?
    We accept the following insurance plans through Headway and Alma: Aetna* (PPO, EPO, POS, Student Resources) Cigna (PPO, Open Access, Wellfleet) United Healthcare*** United Healthcare Oxford Oscar UMR We are not in network with Medicaid or Medicare. We are not in network with any Marketplace or HMO plans. *excludes 1199 and Meritain ***excludes UH Community Plans Go to the next question to find out more about using out-of-network insurance and submitting for reimbursement.
  • I want to use my out-of-network benefits. What do I need to ask my insurance company and how do I figure out how much it will cost?
    Questions to ask: Do I have out-of-network benefits? Is there an annual deductible that needs to be met and when does that deductible amount reset? (This is the amount that you have to pay out of pocket before your insurance starts paying) What is my coinsurance after my deductible is met? (This is the percentage of the allowed amount that you are responsible for per session) What is the allowed amount per session? (This is the maximum amount your insurance company will pay for the session) Is there a limit on how many sessions I'm allowed a year? For example: Allowed amount* - $130 $500 deductible* - you would pay $130 per session until you reach $500. 30% coinsurance* - after $500 deductible is paid, you will pay 30% of the allowed amount 30% x $130 = $39 will be your out-of-pocket cost per session after meeting deductible. *Allowed amount, deductible and coinsurance varies by insurance company and plans. Contact your insurance to find out what these amounts are.
  • What are your rates?
    Advanced Level Practitioners - $225 Mid-Level Practitioners - $175 Masters-Level Graduate - $110 Masters-Level Counseling Intern - $50 Other Fees: Late Cancellation/No Show Fee: $100 Letters: $25 per page FMLA/Disability/Medical Leave Forms: $125 per form Out-of-network benefit plans are accepted (please inquire for more information).
  • Can I see a therapist at the Practice if I don't live in New York State?
    By law, our therapists can only see clients who reside in New York State with the following exceptions: Shahreen can see clients in New York and New Jersey. Daisy can see clients in New York, New Jersey, Florida, Pennsylvania and Texas.
  • What is the No Surprises Act? What is a Good Faith Estimate?
    Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges. This form may be used by the health care providers to inform individuals who are not enrolled in a plan or coverage or a Federal health care program (uninsured individuals), or individuals who are enrolled but not seeking to file a claim with their plan or coverage (self-pay individuals) of their right to a “Good Faith Estimate” to help them estimate the expected charges they may be billed for receiving certain health care items and services. Information regarding the availability of a “Good Faith Estimate” must be prominently displayed on the convening provider’s and convening facility’s website and in the office and on-site where scheduling or questions about the cost of health care occur. You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees. Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.
  • How can therapy help me?
    A number of benefits are available from participating in therapy. Therapists can provide support, problem-solving skills, and enhanced coping strategies for issues such as depression, anxiety, relationship troubles, unresolved childhood issues, grief, stress management, body image issues and creative blocks. Many people also find that counselors can be a tremendous asset to managing personal growth, interpersonal relationships, family concerns, marriage issues, and the hassles of daily life. Therapists can provide a fresh perspective on a difficult problem or point you in the direction of a solution. The benefits you obtain from therapy depend on how well you use the process and put into practice what you learn. Some of the benefits available from therapy include: • Attaining a better understanding of yourself, your goals and values • Developing skills for improving your relationships • Finding resolution to the issues or concerns that led you to seek therapy • Learning new ways to cope with stress and anxiety • Managing anger, grief, depression, and other emotional pressures • Improving communications and listening skills • Changing old behavior patterns and developing new ones • Improving your self-esteem and boosting self-confidence
  • Do I really need therapy? I usually handle my problems.
    It is entirely normal to feel hesitant about seeking therapy. However, it is essential to remember that therapy is not just for individuals who are experiencing severe mental health issues. Therapy can be helpful for anyone who is looking to improve their overall well-being, gain new tools to manage stress, and enhance their relationships. Even if you feel as though you can handle your problems, therapy can help you gain new insights into your life and provide you with new strategies to manage any difficulties that may arise. It is also an opportunity to speak with a trained professional who is unbiased and objective. Ultimately, the decision to seek therapy is a personal one. If you are unsure if therapy is right for you, we encourage you to contact us to schedule a consultation with one of our therapists. They can help you determine if therapy is the right choice for you.
  • Why do people go to therapy?
    There are many reasons why people seek therapy. Some people may be struggling with a mental health condition, such as depression or anxiety, and need help managing their symptoms. Others may be going through a difficult time in their life, such as a divorce or the loss of a loved one, and need support to cope with their emotions. Some people may simply want to work on personal growth and self-improvement. If you are unsure if therapy is right for you, it can be helpful to consider if you are experiencing any of the following: - Feeling overwhelmed or stressed - Struggling with your relationships - Having trouble coping with difficult emotions - Feeling stuck or unsure about your life direction - Dealing with a traumatic event or past experience Therapy can be a safe and supportive environment to explore these issues and work towards solutions. It can also provide a space for personal growth and self-discovery. If you are still unsure if therapy is right for you, consider reaching out to a mental health professional at Purposefulliving. Our team can provide a consultation to discuss your concerns and help you determine if therapy is the right path for you.
  • What is therapy like at Purposeful Living?
    At Purposeful Living, our therapy sessions are personalized to meet the unique needs of each individual. Our therapists use evidence-based techniques to help clients identify and overcome their mental health challenges, such as anxiety, depression, trauma, and relationship issues. Therapy sessions may include talk therapy, cognitive-behavioral therapy, mindfulness practices, or other techniques, depending on the client's needs and preferences. Our therapists provide a safe and non-judgmental space for clients to explore their emotions, thoughts, and behaviors, and to develop coping skills and strategies for long-term mental wellness. Our goal is to empower clients to make positive changes in their lives and to find purpose and fulfillment in their daily experiences.
  • Will my therapy sessions with Purposeful Living be kept confidential?
    Yes, confidentiality is a top priority at Purposeful Living. We respect your right to privacy and maintain strict confidentiality of all client information and records. Our therapists are bound by ethical and legal standards to maintain confidentiality and will only share client information with others on a "need to know" basis or with your written consent. However, there are certain exceptions to confidentiality such as if a client poses a risk of harm to themselves or others, or if there is suspected abuse or neglect of a minor or vulnerable adult. In these cases, we are required by law to report the situation to the appropriate authorities. We encourage you to discuss any concerns or questions you may have regarding confidentiality with your therapist.
  • Why should I not use my insurance?
    You would be given a diagnosis Insurance companies only pay for things that are “medically necessary.” This means that you would be diagnosed with a mental health disorder AND prove that it is impacting your health on a day-to-day basis. Many of life’s problems are not mental health disorders. Examples of diagnoses: Major Depressive Disorder, Generalized Anxiety Disorder, Bipolar Disorder, etc. What having a diagnosis means If you get diagnosed with something, you should be able to decide who gets access to that info and why. You lose control of that information when it is in your file being faxed to anyone in the health care industry who ever requires access to it. A diagnosis says nothing about how you cope, what your strengths are, and which of the many symptoms you actually have. But a diagnosis will speak for you and may negatively impact your eligibility for things. This diagnosis can follow you around in school, on to college, and be a barrier to doing certain things such as working with the Air Force or military, landing federal jobs, security clearances, aviation, and any other jobs requiring health-care related checks (many schools and healthcare institutions are now instigating these policies to screen out employees who may be unstable or cost too much money in mental health care and lost work days). Confidentiality is not guaranteed Using your insurance as payment would mean that your therapist would have to pass over your file to the insurance company whenever they want to see it so technically there is no confidentiality. When a bill is submitted to the insurance company, many people have access to all the information provided on that bill: the processor, case managers, peer reviewers, and customer service representatives. This may not affect you in the short run; however, if you ever decide to apply for life insurance, all medical records can be requested and this include mental health records. At Purposeful Living, we believe that mental health treatment should be personalized and focused on the individual needs of each client. Unfortunately, insurance companies often limit the number of therapy sessions covered or require pre-authorization for certain treatments. This can result in a cookie-cutter approach to therapy that may not be effective for everyone. Additionally, insurance companies may require a mental health diagnosis that could impact future insurance coverage or job opportunities. By choosing to pay out-of-pocket for our services, you have the freedom to work with our therapists to create a personalized treatment plan that meets your unique needs and goals.
  • What is the cancellation policy at Purposeful Living?
    At Purposeful Living, we require that clients provide us with 24-hour advanced notification on all cancellations. Clients who fail to meet this criteria when canceling will be responsible for paying a $100 late cancellation charge, regardless of what your copay is. Insurance companies do not pay for missed sessions. However, we understand that emergencies can arise, and we will consider emergency cancellations on a case-by-case basis. It is important to note that we have this policy in place to ensure that our therapists' time is respected, and that we can continue to provide quality care to all of our clients.

Frequently Asked Questions

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