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Fees & Out-of-Network Information

In-person in Middlesex, NJ | Virtual throughout New Jersey and Florida

Smiling adult woman representing clients seeking neurodiversity affirming therapy and ADHD or Autism evaluations at True Reflections Mental Health Services in Middlesex NJ

Straightforward Fees for Neurodiversity Affirming Evaluations and Therapy

True Reflections Mental Health Services is a private-pay, out-of-network practice in Middlesex, NJ. Out-of-network care is an investment, and it is one that many families are able to partially offset through their insurance plan's out-of-network benefits. A Superbill is provided after every appointment so you can submit directly to your insurance company for potential reimbursement. Everything you need to know about fees, payment, and insurance is below.

What Out-of-Network Care Means for You

Choosing an out-of-network provider means your care is shaped by what you and your family actually need, not by what an insurance company has predetermined to approve.

At True Reflections Mental Health Services, there are no arbitrary session limits, no preauthorization requirements, and no third party deciding whether you or your child qualify for another appointment. Evaluations are thorough because they need to be, not abbreviated to fit a billing structure. Therapy continues as long as it is clinically meaningful, at a pace that works for your family.

It also means every appointment is with Janine, the same clinician who knows your history, your goals, and your child. You will never be handed off or wait-listed mid-process.

If you have questions about cost or want to talk through your options before scheduling, please reach out. Janine is happy to have that conversation.

Accepted Payment Methods

True Reflections Mental Health Services accepts the following forms of payment:

  • Credit card

  • Debit card

  • Health Savings Account (HSA)

  • Flexible Spending Account (FSA)

  • Cash

Please note: checks are not accepted.

Full payment is due at the time of service for therapy sessions. For evaluations, a payment plan is available that spreads the cost across the evaluation process.

Therapy Fees

  • Initial Intake Appointment: $285

  • For children and adolescents, two intake appointments are required. The first is a parent-only session and the second is with the child/teen. Each is billed at $285.

  • Therapy Sessions (ongoing): $260 per session

A Superbill is provided after every appointment for potential out-of-network insurance reimbursement.

Evaluation Fees


Complete fee information for ADHD and Autism evaluations, including package options, payment plan details, and deposit requirements, is available on each evaluation service page.

Payment plans are available for all evaluations. A $500 deposit secures your appointments, with the remaining balance spread across the evaluation process.

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Out-of-Network Benefits and Superbills

True Reflections Mental Health Services does not bill insurance directly. However, many clients with PPO plans or out-of-network benefits are able to receive partial reimbursement by submitting a Superbill to their insurance company after each appointment.

A Superbill is an itemized receipt with everything your insurance company needs to process your claim. True Reflections MHS emails it to you promptly after each appointment so you can submit as quickly as possible.

CPT Codes Used at True Reflections Mental Health Services

When checking your out-of-network benefits, provide your insurance company with the following CPT codes:

 

Therapy CPT Codes: 90791, 90834, 90837, 90846, 90847, 90832, 90785

ADHD and Autism Evaluation CPT Codes: 90791, 96136, 96137, 96130, 96131

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Child sitting against a fence listening to headphones representing children served by neurodiversity affirming ADHD and Autism evaluations and therapy at True Reflections Mental Health Services in Middlesex NJ

Questions to Ask Your Insurance Company About Out-of-Network Benefits

  • Does my plan include out-of-network mental health benefits?

  • Do my out-of-network benefits cover in-office and telehealth mental health services?

  • Is prior authorization required before I begin services?

  • Do I need a referral to use out-of-network benefits?

  • Do I have a separate out-of-network deductible? If so, how much has been met?

  • What is the usual and customary fee for each CPT code (listed above), and what percentage is covered?

  • Is there a limit on the number of sessions covered per year?

  • Where do I submit my Superbill for reimbursement?

     

    Important: Always document the name of the representative you speak with and request a reference number for the call. This protects you if a reimbursement dispute arises.

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Good Faith Estimate

Under the No Surprises Act, you have the right to receive a Good Faith Estimate of expected charges before your first appointment. True Reflections Mental Health Services provides a Good Faith Estimate to all new clients prior to the start of services.

Information about Good Faith Estimates

Frequently Asked Questions About Fees and Insurance

  • A: True Reflections Mental Health Services is an out-of-network provider and does not bill insurance directly. A Superbill is provided after every appointment for you to submit to your insurance company for potential partial reimbursement.

  • A: Yes. Health Savings Account (HSA) and Flexible Spending Account (FSA) funds are accepted for ADHD Testing, Autism Assessments, and therapy sessions.

  • A: Coverage varies by plan. Many PPO plans offer partial reimbursement for psychological evaluations through out-of-network benefits. True Reflections Mental Health Services provides a Superbill with all relevant evaluation CPT codes (90791, 96136, 96137, 96130, 96131) after your feedback session so you can submit your claim for reimbursement.

  • A: No. A payment plan is available that breaks the evaluation cost into three payments across the evaluation process. A $500 deposit secures your appointments, with the remaining balance split between your intake appointment and the morning of your first testing session.

  • A: A Superbill is an itemized receipt that includes all of the CPT codes, diagnosis codes, and provider information your insurance company needs to process an out-of-network reimbursement claim. True Reflections Mental Health Services emails your Superbill promptly after each appointment. You submit it directly to your insurance company, either through their online portal or by mail.

  • A: Fees at True Reflections Mental Health Services are set. However, the availability of HSA and FSA funds, the evaluation payment plan, and out-of-network reimbursement through insurance can make services more financially accessible than many families expect. If you have questions about affordability, please reach out before scheduling. Janine is happy to have that conversation.

  • A: Yes. True Reflections Mental Health Services offers telehealth evaluations and therapy throughout New Jersey and Florida. In-person services are available at the Middlesex, NJ office. If you are located anywhere in New Jersey or Florida and prefer to be seen virtually, you are welcome to schedule.

Ready to Schedule? Appointments Are Available Now.

There is no waitlist at True Reflections Mental Health Services. Evaluation and therapy appointments are typically available within one to two weeks of your inquiry. No referral is needed to schedule. In-person appointments are available in Middlesex, NJ. Telehealth is available throughout New Jersey and Florida.

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