$200
Individual Therapy
45 minutes, weekly, in person in Manhattan or online while you are in New York State.
Private Pay Therapy
Rates and Insurance
Clear fees for weekly individual, couples and family therapy in Manhattan or online across New York State.
Session Fees
Know the Cost Before You Begin
$250
Couples and Family Therapy
60 minutes, weekly, with in-person and online options available.
Free
Phone Consultation
A 15-minute call to discuss what is happening, what you hope will change and whether the practice may fit.
Out-of-Network Support
Using Your Out-of-Network Benefits With Thrizer
Carter Cares partners with Thrizer, a platform for checking estimated benefits, paying for sessions and managing supported insurance claims.
Insurance makes the final decision on coverage and reimbursement. No amount can be promised.
Private Pay
Private Pay, Superbills and Thrizer
We do not participate in insurance networks. Superbills remain available on request if you prefer submitting claims yourself rather than using Thrizer.
Ask your plan about out-of-network mental health benefits, your deductible and submission rules.
Cancellation Policy
When Plans Change
Please give 48 hours notice to cancel or reschedule. Late cancellations and missed sessions are charged the full session fee.
Is It Worth It?
An honest answer about the commitment
Therapy is a real expense. You are paying for focused weekly time and clear goals from the first session, with no long contract.
The free consultation lets you discuss cost before booking.
Good Faith Estimate
Your Right to Expected Cost Information
Self-pay clients have the right to receive a good faith estimate of expected charges. You can ask for one before your first session.
Clear From the Start
Questions about cost belong in the conversation.
Use the free phone consultation to ask about fees, format and scheduling before making a decision.
Common Questions
Frequently Asked Questions
Do you take insurance?+
No. Carter Cares is a private pay practice and does not participate in insurance networks.
Can I use my out-of-network benefits?+
You may use Thrizer for supported claims and reimbursement tracking, or request a superbill to submit yourself. Eligible clients may choose Thrizer Pay. Your insurer decides coverage and reimbursement.
What is a superbill?+
A superbill is a document you can submit to your insurance plan when asking for possible out-of-network reimbursement. Your plan decides reimbursement, so contact your plan first.
Can I use an HSA or FSA?+
Ask your plan whether therapy qualifies for payment through your HSA or FSA and what records it requires.
What if I need to cancel?+
Please give at least 48 hours notice to cancel or reschedule. Late cancellations and missed sessions are charged the full session fee.
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Free 15-Minute Phone Consultation