Rates & Insurance

Rates & Insurance

Rates

Rates are variable depending on services offered. Dr. McAleer works on a sliding scale for a limited number of patients per year based on income limitations and financial hardship. Please use the contact options on this site to reach out with questions about fees and billing.

Payment

Payment is due at each session unless another payment plan has been established. All major credit and debit cards are accepted as forms of payment, along with FSA and HSA cards. Additional payment options, such as e-check, or use of money transferring apps may be available.

Cancellation Policy

If you are unable to attend a session, please make sure you cancel at least 24 hours in advance. Cancellations with less than 24 hours notice will be charged $100 for the first missed session and full session fees for any additional missed sessions in which less than 24 hour notice is provided.

Insurance

Dr. McAleer is considered an out-of-network provider, which means that she does not participate with any insurance companies. She will provide you with a paid invoice to submit to your insurance company for out-of-network benefits reimbursement. The rates of reimbursement will depend on your plan, but often services are covered in full or partially. Please contact your insurance provider to verify how your plan compensates you for mental health services.

Set aside 15-30 minutes to contact your health insurer prior to starting therapy. Have your health insurance card, demographic information for the client and the primary insurer (if they are different), and a piece of paper/pen handy for your call. Write down the name of the representative you speak to, along with the time and date, and any reference numbers provided to you.

Ask your insurance provider the following questions to help determine your benefits:

  • Do I have a health insurance plan that includes mental health benefits?
    • Do I have a behavioral health/mental health policy with out-of-network benefits?
    • What (if any) are the requirements or pre-authorizations required to use out-of-network benefits?
    • Do I need written approval or a referral from my primary care physician in order for services to be covered?
    • What percentage of services is covered? What is my co-insurance?
  • Do I have an out-of-network deductible?
    • If so, what is it and have I met it yet?
    • What is the calendar start date that my policy uses to determine a “benefit year”?
      • Some companies use the standard calendar to reset benefits, while other have an internal calendar, such as April 1 – March 31
  • Does my plan limit how many sessions per calendar year I can have?
    • If so, what is the limit?
    • How many sessions do I have left?
    • Are there are restrictions on types of sessions (diagnostic interview, individual sessions, family sessions, group therapy)?
  • How do I submit claims for reimbursement for mental health services provided by an out-of-network provider?
    • Can claims be submitted electronically? If so, how?

Any Other Questions

Please contact Journey Psychological Services for any additional questions you may have. Dr. McAleer looks forward to hearing from you!

 

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scheduling@jps.care

646-926-7793

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