Insurance Coverage in NY, NJ & MA

Affordable Therapy for OCD and Eating Disorders

Access to quality mental health care should be both effective and affordable. Ricardo Despradel, LMHC-D is committed to making evidence-based treatment for OCD, eating disorders, ARFID, anxiety, trauma, and substance use disorders as accessible as possible. Services are designed to help clients maximize their insurance benefits while receiving specialized care tailored to their needs.

Insurance Coverage

Many psychotherapy services are covered, either partially or fully, by health insurance plans. Coverage varies by plan and may depend on factors such as deductibles, copayments, coinsurance, and out-of-network benefits.

Commonly accepted insurance plans may include:

  • Aetna

  • Cigna

  • UnitedHealthcare

  • Oscar Health

  • Oxford

  • Empire BlueCross BlueShield

  • Blue Cross Blue Shield of Massachusetts

  • Anthem EAP

  • Anthem Blue Cross Blue Shield

  • Independent Blue Cross Pennsylvania

  • Carelon

  • Harvard Pilgrim (Point32)

  • Other plans (verify availability)

Clients are encouraged to contact their insurance provider directly to confirm behavioral health benefits and determine any out-of-pocket costs before beginning treatment.

What If I Have a Deductible?

Many insurance plans require individuals to meet a deductible before insurance begins covering services. Once the deductible is met, clients may be responsible for a copayment or coinsurance amount depending on their specific plan.

The practice can help clients understand the insurance process and answer questions about benefits verification whenever possible.

Out-of-Network Benefits

If a plan is not accepted directly, many clients may still be eligible for reimbursement through out-of-network benefits. Depending on the insurance plan, a significant portion of therapy costs may be reimbursed after services are rendered.

Documentation can be provided to support out-of-network reimbursement requests.

If still unclear on how this works, check-out our OON guide here.

Accessible Virtual Therapy

Telehealth services are available throughout New York and Massachusetts, allowing clients to access specialized treatment from the privacy and convenience of their home. Virtual therapy can reduce travel time, increase scheduling flexibility, and improve access to specialized care for individuals who may not have local providers with expertise in OCD, ERP, eating disorders, ARFID, or LGBTQIA+ affirming treatment.