Fees and Insurance

Insurance

Dr. Spektor is in-network with Aetna and will bill insurance directly for clients with that insurance plan. Please contact your insurance company via the number on the back of your insurance card to verify benefits before your first appointment to make sure that Dr. Spektor is in-network with your specific plan and to learn about your copay or co-insurance responsibility.  Dr. Spektor is an out-of-network provider for all other insurance companies. 

Self-Pay and Out-of-Network Fees

Initial Assessment - $185

Psychotherapy Session (60 minutes) - $175

Psychotherapy Session (45 minutes) - $160

Fees are due at time of service and payable by cash, check, or card (debit/credit/FSA/HSA). Dr. Spektor offers sliding scale services on a limited basis. You can also visit https://openpathcollective.org/ to find affordable therapy providers. 

If you have out of network benefits, Dr. Spektor can provide a Super Bill for you to submit to your insurance company.  You may be eligible to receive reimbursement for part of the fee. Please contact the number provided on the back of your insurance card with the following questions:

1. Am I eligible for out-of-network mental health benefits?

2. What is my deductible and has it been met?

3. Is there a session limit per year?

4. Do I need a preauthorization prior to receiving services? If so, what information is needed?​

5. Is approval required from my primary care physician?

6. (If requesting telehealth): Are telehealth services covered under my insurance and reimbursed at the same rate?