Therapy Fees and Frequently Asked Questions
Clear information about session fees, insurance, out-of-network reimbursement, online therapy, and getting started with Joe Bioletti, MA, LPC.
Beginning therapy already involves enough uncertainty. Understanding the cost, format, and next steps should be straightforward.
Below, you can find current session fees, information about online and in-person therapy, and answers to common questions before scheduling.
You do not need to know which therapeutic approach you need before reaching out. The initial consultation gives us a chance to discuss what is happening, what you are looking for, and whether working together feels like the right fit.
The Main Details, All in One Place
Initial Consultation
20-minute phone consultation
Individual Therapy
45 to 60-minute session
Extended EMDR Session
90-minute session
Couples Therapy
Per session
Choosing the Session Format That Fits the Work
Most individual therapy sessions are 45 to 60 minutes and cost $175.
Extended 90-minute sessions are available for $200. These sessions may be useful for certain stages of EMDR or other work that would benefit from additional time, but they are not automatically necessary for every client or every session.
Couples therapy sessions are $200.
Before beginning therapy, we can discuss the type of session that may fit your needs. If that changes as the work develops, we can revisit it together.
A free 20-minute consultation is available before scheduling your first therapy appointment.
Using Out-of-Network Benefits for Therapy
I am a private-pay therapist and do not participate as an in-network provider with insurance companies.
Some insurance plans include out-of-network mental-health benefits that may reimburse you for a portion of the session fee after you meet any applicable deductible.
As a courtesy, I can submit out-of-network claims through SimplePractice on your behalf. I can also provide a superbill if you prefer to submit claims directly to your insurance company.
Your reimbursement will depend on your individual plan, deductible, allowed amount, and out-of-network coverage. Your insurance company makes the final determination about coverage and payment.
You can use the Mentaya calculator to estimate what your plan may reimburse.
Check Your Potential Out-of-Network Benefits
The calculator provides an estimate based on the insurance information entered. It does not guarantee eligibility, coverage, reimbursement, or payment.
Paying for Therapy
Credit cards, HSA cards, and FSA cards are accepted for therapy sessions.
HSA and FSA eligibility depends on the rules of your individual account. If you are uncertain whether therapy is an eligible expense, contact your plan administrator before using the card.
If you plan to use out-of-network benefits, you may still be responsible for paying the session fee directly. Any reimbursement is determined and issued according to your insurance plan.
Questions Before Starting Therapy
How do I get started?
You can begin by scheduling a free 20-minute consultation.
We will briefly discuss what has been happening, what you are looking for from therapy, and whether my services and approach may fit your needs. If we decide to move forward, we can discuss scheduling and the next steps for beginning therapy.
What happens during the free consultation?
The consultation gives us a chance to speak before you schedule a full therapy session.
You can share what has led you to seek therapy, ask questions about my approach, and discuss whether you are interested in online or in-person sessions.
You do not need to provide your entire history or decide which therapeutic method you need during this conversation. The consultation is an opportunity to determine whether taking the next step together feels appropriate.
Do you accept insurance?
I work on a private-pay basis and am not an in-network provider.
If your insurance plan includes out-of-network mental-health benefits, you may be reimbursed for a portion of the session fee. Your deductible, reimbursement rate, and coverage rules will depend on your specific plan.
The Mentaya calculator above can help you estimate your potential benefits, but the result is not a guarantee of reimbursement or coverage.
Do you submit out-of-network claims?
Yes. As a courtesy, I can submit out-of-network claims through SimplePractice on your behalf.
Your insurance company will determine whether the service is covered, how the claim is applied to your deductible, and whether any reimbursement is available.
Courtesy filing does not guarantee that your insurance company will reimburse the session.
What is a superbill?
A superbill is a detailed receipt containing information that an insurance company may require when reviewing an out-of-network claim.
I can provide a superbill if you prefer to submit your claims directly. Receiving a superbill does not guarantee that your insurance company will reimburse you.
Before beginning therapy, you may want to ask your insurer whether your plan includes out-of-network mental-health benefits and what documentation is required.
Can I use an HSA or FSA card?
Yes. HSA and FSA cards are accepted.
Because individual plans and account rules can differ, you may want to confirm eligibility with your HSA or FSA administrator if you have questions about using those funds for therapy.
Do you offer online and in-person therapy?
Yes.
Online therapy is available to clients located throughout New Jersey and Connecticut. You must be physically located in the state where I am licensed and providing your care at the time of the session.
In-person therapy is currently available in Boonton, New Jersey.
Connecticut therapy is offered online only. I do not maintain an office in Connecticut.
Can EMDR therapy be provided online?
EMDR may be provided through telehealth when it is clinically appropriate for the client, the circumstances, and the stage of treatment.
Preparation and readiness come before processing. We can discuss your environment, privacy, support needs, and whether online EMDR may be appropriate for you.
Online EMDR is not automatically the right fit for every person or situation.
What if I do not know which type of therapy I need?
You do not need to select a modality before contacting me.
People often know what they are experiencing without knowing whether trauma therapy, EMDR, DBT-informed therapy, CBT, or another approach would be most useful.
We can begin by discussing what is affecting you, what you would like to understand or change, and how you respond as the work develops. The approach can be adjusted around your needs rather than decided from a list before therapy begins.
Who do you work with?
I provide therapy to adolescents, adults, and queer couples.
My work includes trauma, anxiety, OCD, emotional intensity, identity exploration, relationship patterns, shame, self-criticism, neurodivergence, and difficult life transitions.
A consultation can help us determine whether my experience and approach align with what you are looking for.
You Can Start With a Conversation
You do not need to have every question answered or know exactly what kind of therapy you need before reaching out.
The free consultation gives us an opportunity to discuss what has been happening, what you are looking for, and whether working together feels like the right next step.