In-network

What in-network means

A clinic is in-network with an insurance plan when the clinic and the plan have a contract that sets prices and rules for billing. When you see a clinician in-network, the plan pays its share of each visit (often most of the bill), and you owe a copay or part of the deductible — usually a fraction of what you'd pay out-of-network.

What it looks like in practice

For most patients with commercial insurance, in-network therapy or psychiatry visits cost between $0 and $50 in copay per visit after the deductible is met. For Medicaid (NJ FamilyCare) members, most visits have $0 copay regardless of plan. We are in-network with most major plans and all 5 NJ FamilyCare MCOs — see our insurance hub for the full list.

When this matters for you

If a clinic is out-of-network, your plan may pay nothing or only a small portion, leaving you responsible for the difference. That gap can be hundreds of dollars per visit. Always confirm in-network status before booking. We verify your coverage in one business day and tell you exactly what you'll owe before your first visit — no surprise bills six months later.