Rates & Insurance

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Our rates are comparable to other psychotherapists in the area. We accept insurance as an out-of-network provider. Out-of-network is a great option for people who want maximum privacy, confidentiality, and flexibility. You can use the calculator below to request your out-of-network benefits and get detailed information about what you will pay. See below for the current rates of the providers at our practice:

Dr. Nick Santo, LCSW – $275 per 45-minute individual session. All sliding scale time slots are currently full. If you have a non-urgent matter and would like to be placed on a waitlist you can reach out via the contact us form here. Licensed in NY & NJ only.

Michael Corning, LMSW – $225 per 45-minute individual session, $275 per 50-60 minute couples session; All sliding scale time slots are currently full. Licensed in NY only.

Mike Cohen, LMSW – $200 per 45-minute individual session, $250 per 50-60 minute couples session; Limited sliding scale time slots are currently available. Licensed in NY only.

Out-of-Network Calculator


If you prefer to call your insurance provider about your out-of-network benefits you can follow the steps below:

Call your insurance representative to find out if you have “out-of-network insurance coverage for outpatient mental health services” and if you do ask if there’s a deductible. You need to meet your deductible first before receiving compensation for my services but I can give you bills to submit to your insurance in order to meet your deductible. You also might want to ask what percentage is covered for my services after the deductible has been met.

Ask your rep if there are mental health claims forms that you need to download from your insurance website and to show you where it is. If I need to sign the form please bring it in person to our sessions or if there’s a way to electronically sign it please email it to me. I will also email you an electronically signed insurance bill which you will mail your insurance company along with the mental health claims form. I only sign the insurance mental health claims form so if you have any questions about filling out the practitioner part please email me.

Once you have verified your benefits you are ready to set up your appointment. Contact us via the Make an appointment tab, contact us form, or by leaving a voicemail at 201-829-5494

Good Faith Estimate

Good Faith Estimate is an approximation of costs you may incur during a specific window of time. This estimation can be renewed annually. Below is a more detailed explanation.

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

● You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

● Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

● If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

● Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit http://www.cms.gov/nosurprises or call 800-985-3059.

Our Team

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