Your right to a Good Faith Estimate.
If you’re paying out of pocket — uninsured, or choosing not to use your insurance — federal law gives you the right to a Good Faith Estimate of what your care is expected to cost. We provide yours before any non-emergency visit at Positive Reset Eatontown. No exceptions.
What a Good Faith Estimate is
The Good Faith Estimate (GFE) is a written statement of the expected charges for a service or course of care. It was created by the federal No Surprises Act (in effect since January 1, 2022) and is available to anyone who is uninsured or self-pay. The estimate must be in writing and provided in advance of service — not at checkout, not via verbal quote.
Your GFE includes the expected charge per visit, the typical number of visits for your situation, and the total expected cost for an honest range of treatment. We don’t low-ball estimates and we don’t pad them.
Our self-pay rates
For full transparency, here’s our standard self-pay schedule. Your specific GFE will list the visits you’re most likely to use and the resulting expected total.
- Individual therapy with a licensed therapist (LCSW, LPC, LMFT, psychologist): $150 per 50-minute session.
- Psychiatric evaluation (initial 60- to 90-minute visit with a psychiatrist or advanced-practice psychiatric nurse): $200.
- Medication-management follow-up (subsequent 25- to 30-minute psychiatric visits): $125.
- Couples or family therapy (50-minute joint session): $175.
- Group therapy (90-minute session): $75 per attendee.
Sliding-scale rates are available for patients who can’t afford the full fee — we don’t advertise specific brackets because the right rate is the one you can sustain over the course of treatment, not a number on a website. Ask at intake.
How we deliver your Good Faith Estimate
When you call to schedule a self-pay visit, our intake team asks a few questions about what’s bringing you in, what kind of care you’re looking for, and the frequency you anticipate. Within one business day we send you a written GFE listing:
- The service codes (CPT codes) for each expected visit
- The expected charge per code
- The expected number of visits for the course of treatment
- The expected total cost
- The clinician(s) involved, with each clinician’s NPI and NJ license number
- Your right to dispute a final bill that exceeds the estimate by more than $400, and how to file
The GFE is in plain dollars, not codes-only. If anything in it isn’t clear, call us at (732) 724-1234 and we’ll walk you through it.
If your final bill is more than the estimate
If a final bill exceeds the Good Faith Estimate by more than $400, you have the right to dispute the difference through the federal Patient-Provider Dispute Resolution process. You have 120 days from the date of the bill to file. The process is free and doesn’t affect your ability to keep getting care from us.
File at cms.gov/nosurprises/consumers/disputes-about-medical-bills (opens in new tab) or call CMS at 1-800-985-3059. Our billing team is happy to help you compile what you need to file — call us at (732) 724-1234.
See our broader No Surprise Billing policy for the rest of the federal context, including your protections as an insured patient.
Common questions
Do I get a Good Faith Estimate if I have insurance?
The federal GFE requirement applies primarily to self-pay and uninsured patients. If you have insurance and we’re in-network, we still tell you the exact cost of every visit before your first one — just in the form of a benefits-verification letter rather than a federal GFE. Either way: you know what you’ll owe before you arrive.
What if I want to use my HSA or FSA?
Mental health care qualifies for HSA and FSA reimbursement under IRS rules. We accept HSA/FSA cards directly and provide itemized receipts (superbills) for any visit if you need to submit for reimbursement. That’s a separate payment path from the self-pay-with-GFE flow described here.
Can I get a superbill for out-of-network reimbursement?
Yes. If your insurance has out-of-network mental health benefits, we’ll provide a superbill (an itemized receipt with the service codes and clinician details) that you submit to your insurer for reimbursement. Note that the GFE in this case shows what we charge; the reimbursement amount depends entirely on your plan’s out-of-network benefits.
Is the Good Faith Estimate binding?
It’s a good-faith projection, not a contract. If clinical needs change — you need more sessions than expected, or a different type of visit — we’ll update the GFE before adding any new charges. The federal $400 dispute threshold applies to actual final bills versus the most recent GFE on file.
For the federal text and additional resources, see cms.gov/nosurprises (opens in new tab). To request your GFE before booking, call us at (732) 724-1234 or use the contact form.