Copay

What a copay is

A copay is a fixed amount you pay at each visit, set by your insurance plan. It's separate from your premium (the monthly cost of having insurance) and your deductible (the amount you pay before insurance covers most things). For mental health visits in-network, copays usually run $0 to $50 per session.

What it looks like in practice

Most commercial plans set therapy copays between $20 and $40, and psychiatry copays between $40 and $75 (psychiatry is billed at a specialist rate). NJ FamilyCare (Medicaid) plans typically have $0 copay for mental health visits. Medicare patients pay 20% of the Medicare-approved amount after meeting the Part B deductible, unless you have a supplemental plan that covers it.

When this matters for you

Knowing your copay before your first visit prevents surprises. We verify your plan's copay structure in one business day and give you a written estimate before you arrive — including what to expect for follow-up visits. If your plan changes mid-treatment, we re-verify before your next visit.