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Rates & insurance

Clear, upfront, and judgment-free

Cost should never be a mystery. Here’s how fees and insurance work — and a few ways to make care more accessible. If anything’s unclear, just ask.

Session fees

Simple, transparent pricing

Individual therapy

50-minute session

$125

per session

Couples counseling

50–60 minute session

$175

per session

Intro consultation

~15-minute call

Complimentary

no pressure, no cost

Sessions are typically weekly to start. Payment is due at the time of session; major cards and HSA/FSA cards are accepted.

Using insurance

In-network & out-of-network

Esteban Counseling is in-network with many major insurance plans, and clients with other plans can often use out-of-network benefits for partial reimbursement.

In-network plans currently accepted:

AetnaAnthemBlue Cross Blue ShieldBlueShield of Northeastern NYCigna & EvernorthHighmark BCBS of Western NYHorizon BCBSOptumOscar HealthOxfordUnitedHealthcare (UHC / UBH)

Don’t see your plan? You may still be able to use out-of-network benefits. I can provide a monthly superbill — an itemized receipt you submit to your insurer for possible reimbursement.

Questions to ask your insurer

  • Do I have out-of-network outpatient mental health benefits?
  • What’s my deductible, and has it been met?
  • What percentage is reimbursed for CPT code 90837?
  • How do I submit a superbill for reimbursement?

Sliding scale

A limited number of reduced-fee spots are reserved for clients facing financial hardship. If cost is a barrier, please reach out — we’ll talk honestly about options. Care should be within reach.

Good Faith Estimate

Under the federal No Surprises Act, you have the right to a Good Faith Estimate of expected costs before starting care. You’ll receive one in writing, and you can request one any time.

No surprises

Let’s sort out the details together

Tell Hamilton a bit about your situation and he’ll walk you through fees, coverage, and the best path forward.