How to find a therapist that accepts insurance in NYC

Finding a therapist that takes insurance can be very challenging. Between confusing billing terms, vague directory listings, and outdated information, the process can feel overwhelming—especially when you’re already navigating mental health concerns.

Finding a therapist that takes insurance in NYC can be even harder. With so many providers in private practice and a wide range of insurance plans, it’s easy to hit roadblocks or give up altogether.

One major reason? Many therapists remain out of network. This means they don’t have a direct contract with your insurance company, and you may have to pay out of pocket and submit for reimbursement yourself.

At our practice, we believe that high-quality therapy should be accessible. That’s why we accept insurance and are in-network with many major insurers. Even for those we are not in-network with, we can help you make the most of your out-of-network (OON) benefits—taking the guesswork and hassle out of the process. Book a free call today to learn more about how we can help

How Do You Actually Find a Therapist Who Takes Insurance?

There’s no one perfect method, but there are several strategies that can help you navigate the process with more clarity.

1. Use Up-to-Date Online Directories

Several therapist directories allow you to filter by insurance type and availability. Some of the most reliable ones include:

• Psychology Today (PT)

• Alma

• Headway

These platforms are often updated by the therapist or group practice themselves and include details about what insurance plans are accepted.

2. Check With Your Insurance Provider

Most insurance companies offer an online directory of in-network providers. While not always the most intuitive, it can be a helpful starting point. Popular insurers like:

• Aetna

• Cigna

• UnitedHealthcare

• Blue Cross Blue Shield

  …often have search tools that allow you to filter by location, specialty, and type of service.

  To confirm whether a therapist is truly in-network, it helps to call your insurance provider directly. You’ll want to have two pieces of information ready:

  • The CPT code for the service you’re receiving (your therapist can provide this—it’s typically 90834 or 90837 for individual therapy)

  • The NPI number of the provider (also something the therapist can give you)

  3. Ask for Word-of-Mouth Referrals

  Sometimes the best recommendations come from people you trust. Ask friends, family members, or even your primary care provider if they know of any therapists who accept your insurance and specialize in what you’re looking for.

  4. Call the Therapist’s Office Directly

  This may seem tedious, but it’s often the most reliable way to confirm insurance details. Offices can give you accurate, up-to-date information about what plans they accept and how billing works. It’s better to ask upfront than to be surprised by a bill later.

  We’re Here to Help

  If you’re in New York City and looking for a therapist who takes insurance, we’d love to help. Our practice specializes in ADHD, DBT, and general mental health concerns. We accept many major insurance plans and are happy to guide you through verifying your benefits—whether you're in-network or using out-of-network coverage.

  Let’s talk about what you’re looking for and see how we can support you. Book a free call with us today