Payment & Insurance
In-Network Insurance & Self-Pay Options
At KZ Psychotherapy, we believe the financial side of your care should be clear and straightforward. We offer flexible payment options—including in-network insurance coverage and private-pay rates—to ensure our specialized therapy remains accessible while protecting your privacy.
To make the process effortless, our team will gladly verify your insurance coverage and explain your benefits before your first session.
Insurance & In-Network Coverage
We provide psychotherapy across New York, with specialized private-pay services also available in New Jersey. We are currently In-Network providers in New York with the following insurance carriers:
- Aetna
- BlueCross BlueShield/Anthem (NY only)
- United Healthcare / Oxford
- Magnacare
Out-of-Network & Superbills
If we are not in-network with your specific plan, you may still be eligible for reimbursement through your out-of-network benefits. At your request, we provide monthly Superbills (detailed invoices) that you can submit to your insurance company for direct reimbursement.
Why choose Private Pay? Many of our clients choose to pay out-of-pocket to ensure the maximum level of confidentiality. Paying privately allows your treatment to remain entirely off your permanent medical record, as it bypasses the requirement for a clinical diagnosis and the sharing of session data with third-party insurance payers. If your professional standing requires this extra layer of discretion, we are happy to discuss this during our initial session.
Note on Couples Therapy
Many couples choose a private-pay option to ensure absolute privacy and keep the focus entirely on their relationship. However, in-network insurance options may also be available depending on your plan and specific care needs. We are always happy to help you explore the most suitable options during your initial consultation.