PAYMENT & INSURANCE
Payment & Insurance
Transparent Care & Discretion
At Kamila Zapytowska Psychotherapy, we believe that the logistics of your care should be as clear and grounded as the clinical work itself. We offer a range of payment options to ensure our specialized services are accessible while maintaining the highest standards of clinical discretion.
Insurance & In-Network Coverage
We are currently In-Network providers with the following insurance carriers:
- Aetna
- United Healthcare / Oxford
- Emblem Health / UMR for NYC Employees
- BlueCross BlueShield/Anthem (NY only)
- Cigna
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
To ensure the highest level of clinical depth and complete privacy, all couples therapy is conducted on a private-pay basis. This allows us to focus entirely on the relational dynamic without the constraints or diagnostic requirements of third-party insurance payers. By choosing a private-pay model for couples work, your treatment remains strictly confidential and is not subject to the clinical oversight or medical necessity audits required by insurance companies.