Insurance and Fees


I am an out-of network teletherapy provider, and you must be asking yourself, I have insurance why would I choose an out of network provider? Here are some reasons going out of network can be beneficial:

  • I have the ability to spend more time focusing on you. When a therapist takes insurance they are spending hours every week submitting claims or on hold with an insurance representative. This takes time away from reviewing your session notes, advocating for you, and taking the time to improve upon my skills so that I can best support you. 

  • Insurance companies require in-network therapists to submit detailed information regarding services provided including the reason the session occurred and how long the sessions were which really get in the way of your privacy. 

  • Insurance companies also require in-network providers to provide a diagnosis. Oftentimes clients come in seeking support around general mental health issues such as stress, relationship issues, and life transitions which do not require a diagnosis. However, they are often having to give a diagnosis of adjustment disorder or anxiety disorder in order to get reimbursed. 

  •  Insurance companies may put restrictions on the number of sessions or limit sessions to 45 minutes. If a client would like an intensive session in order to achieve treatment outcomes faster the insurance company would limit that. 

  • Finally, Being out of network allows me to specialize in my areas of interest. 

If you are interested in using your out-of-network benefits click here for questions to ask your insurance company.


Initial session 60 minutes $200.00

Individual session 45 minutes $150.00 

EMDR 90 minute processing $250.00

To make this easier and more affordable for my clients, I have partnered with Advekit. Advekit will check your out-of-network benefits, and they will handle the out of network billing for you. You only pay what you owe. 

Example: If a session costs 150.00 and your out of network benefit is 30%, you only pay $45.00 for our session Advekit will handle collecting the 70%. This allows for therapy to be more affordable. Click the link below to get started.

Please note at the moment Advekit only works with PPOs from Aetna, Anthem Blue Cross, Blue Shield, Cigna, Magellan, Optum, and United.

Cancellation Policy:

If you do not show up for your scheduled therapy appointment, and you have not notified me at least 24 hours in advance, you will be required to pay the full session fee that is not refundable by your insurance company.

Contact Me

For any questions you have, you can reach me here:

Contact Me

Ana Pais, LPC,NCC

E-mail me at:

Call me at: 908-292-8017

Mental Health Therapy


Serving all of New Jersey and Florida

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