34 W. 22nd St., Suite 2A

New York  NY 10010

© 2014 AMY L. CALMANN. 



Please contact me in order to discuss therapy session rates.


I have a limited number of appointment times that I offer at a discounted rate in certain difficult circumstances. The ability to lower my fee is dependent upon shared availability and your flexibility with scheduling. 


I would never want the cost of therapy to stop someone from seeking help. If I am unable to offer a lower fee, I can refer you to another therapist or a mental health clinic.


If you would like to investigate whether you have out-of-network mental health benefits through your insurance provider, please contact them to review your policy. Out-of-network mental health benefits means that your insurance provider may reimburse you for therapy sessions, even though a therapist is not in-network with your health insurance. Many insurance plans do offer out-of-network benefits, and you may find that your insurance will cover a significant percentage of therapy costs.

If it is determined that you do have out-of-network mental health benefits,

ask your insurance provider the following four questions:


  •  What is the amount of my out-of-network deductible, and has that deductible been met? 

Your deductible is the amount of money that your insurance company requires you to pay for your healthcare costs, before they will begin reimbursing you. Not all insurance plans have a deductible, but many do.


For example, if you have a $500 deductible for out-of-network care, then you would be responsible for paying in full for your out-of-network medical costs, up until the costs reach $500. Your insurance coverage would not start until after you have paid for $500 in out-of-network costs.  


  •  How much will insurance reimburse me per therapy session?

Your insurance provider may not cover the whole fee per therapy session. Instead, they may cover a portion of the fee and require that you pay the remainder of the fee.

  •  Is there a maximum number of therapy sessions allowed for reimbursement per year

Some insurance providers have plans with unlimited therapy sessions permitted during the year, while other providers have a cap on the amount of sessions for which they will reimburse you in a year. 

  •  Do I need a preauthorization in order to see an out-of-network mental health care provider?  

When seeing a therapist who is out-of-network, some insurance providers may require you to receive preauthorization before your first therapy session. 

Insurance and confidentiality: An insurance provider will require a therapist to identify you as a patient and inform them of your clinical diagnosis, in order to reimburse you for treatment. Your insurance provider may also require treatment plans and session notes.


Some people choose not to involve insurance companies in their mental health care because of privacy concerns. If you have concerns, please check with your insurance provider to find out the level of transparency that they would require from a therapist, in order for your provider to reimburse you for sessions. If you are unsure about using your insurance, I recommend that we discuss what is best for you, before making a decision to submit insurance claims. 

*If you do have out of network benefits and would like to use themI will gladly provide you with an invoice which you can submit to your insurance provider.


Accepted Payment 
  • Venmo app (all credit/ debit cards)

  • Zelle Quickpay (bank to bank transfer)

  • Check

  • Cash

Automatic Credit Card Payments

I offer the option to set up automatic credit card payments through a secure online patient portal in these two circumstances:


  • If you are using a credit card issued by your Health Savings Account (HSA) or Flex Spending Account (FSA). 

  • If you are a parent or other party who will be covering the cost of therapy for your child or another person.

Venmo and Zelle 

Learn more and download apps

Please send payment to:

Amy Calmann LCSW