for a surgery visit), and then the secondary may pick up the remaining amount allowed by the secondary insurance. For instance, if you have a hospitalization, the first plan may pay up to $20K (i.e. Your secondary insurance may pick up some or all of the remaining costs. When you have two forms of health insurance coverage, your primary insurance pays the first portion of the claim up to your coverage limits. What if I have primary and secondary insurance? The average deductible of plans reviewed by Nirvana Health is $2,200, but the plans with the most affordable monthly premiums on the New York state insurance marketplace have deductibles over $4,000. For scale, that means treatment in New York City can eat up 12% of the median household income, and cost three times the median monthly rent for a studio apartment.įor those lucky enough to have an insurance plan that covers a portion of mental health care, benefits may not kick in until after they hit their deductible, which can take months and cost thousands of dollars out of pocket. For the 9.6% of New Yorkers without insurance coverage, a typical 9-month treatment plan would cost roughly $7,500 before tax.

The average therapy session in New York City costs $194, according to Nirvana Health's internal data on over 5,500 clinicians. The cost of mental health care is a significant, yet often overlooked, a contributor to peoples’ medical debt.

Nirvana Health is partnering with RIP Medical Debt to help eliminate patient health care debt. Consumers, many of whom already often pay for sessions via credit card, are now more likely to incur debt in order to cover the costs of their mental health care. During one of the biggest mental health and unemployment crises in modern history, the average cost of a 9-month course of therapy in New York City is $7,500.

Average cost of a therapy session