Fees & Insurance

Fees & Insurance

Private-pay and self-pay therapy are currently the most direct ways to inquire about working with Cameron.

Cameron Eshgh Therapy offers private-pay-forward online therapy for adults and select couples located in New York, New Jersey, Florida, Massachusetts, and Vermont. Private-pay and self-pay inquiries are the most direct way to explore availability; insurance-based openings remain limited.

Fees, insurance, and billing arrangements are clarified before beginning.

Published Private-Pay Fees

Fee Range

$150-$350

per session

Applies To

Private-pay individual therapy and select couples therapy, with the exact fee confirmed before care begins.

Before Beginning

Fees, billing expectations, and Good Faith Estimate information are reviewed clearly before the first paid session.

Private-Pay & Self-Pay Therapy

Private-pay and self-pay therapy means you pay directly for care rather than using in-network insurance benefits.

Some clients choose private pay because they value privacy, continuity, flexibility, or the ability to work with a specific therapist whose approach fits the kind of work they are seeking. Others choose private pay because they split time between states, want a more direct path to inquiry, or prefer not to have therapy organized primarily around insurance availability.

Private-pay therapy may be a fit if you are seeking:

  • Direct inquiry with Cameron
  • Multistate continuity across NY, NJ, FL, MA, or VT
  • Depth-oriented therapy with a specific clinician
  • Therapy focused on insight becoming lived change
  • Spiritual integration within a clinical psychotherapy frame
  • Flexibility when insurance-based openings are waitlisted

Private-pay availability is limited and depends on fit, location, and scheduling.

Insurance Availability

Cameron also works with several insurance plans, though insurance-based openings are limited and may require a waitlist.

Coverage varies by plan, location, and clinical arrangement. Being listed here does not guarantee coverage, reimbursement, or current insurance-based availability.

Insurance plans may include

Aetna, Anthem / Empire BlueCross, Carelon, Cigna, EmblemHealth, MagnaCare, Meritain, NYCE PPO, NYSHIP / The Empire Plan, and United HealthCare / Optum.

Insurance details are reviewed before beginning so you understand what is available, what may be waitlisted, and whether private pay or insurance is the most appropriate path.

Private Pay vs. Insurance

Both private pay and insurance-based therapy can be appropriate. The question is which path is available and clinically/administratively workable for your situation.

Private pay may be the most direct path if:

  • You want to inquire about working with Cameron specifically
  • You are located outside New York but within Cameron's licensed states
  • You split time between states
  • You want to begin without waiting for an insurance-based opening
  • You prefer to pay directly for therapy
  • You value privacy, continuity, or flexibility

Insurance may be a fit if:

  • Cameron is in network with your plan
  • An insurance-based opening is available
  • Your location and plan allow care
  • The administrative arrangement is clear before beginning

Insurance-based openings are limited and may require a waitlist.

Online Therapy Across Five States

Cameron is licensed to provide online therapy to clients physically located in:

New York  ·  New Jersey  ·  Florida  ·  Massachusetts  ·  Vermont

Where you are physically located at the time of session matters for online therapy.

If you split time between states, travel seasonally, or move between homes, Cameron's multistate licensure may support continuity of care when you are located in one of the states where he is licensed.

Good Faith Estimates

If you are not using insurance or are choosing private pay, you may be entitled to a Good Faith Estimate of expected charges before beginning care.

Fees and billing expectations will be reviewed clearly before therapy begins. If your situation changes, fees, payment method, or insurance use can be revisited.

Out-of-Network Benefits

Some private-pay clients may have out-of-network benefits through their insurance plan.

If available and appropriate, you may be able to request documentation to submit to your insurance company for possible reimbursement. Reimbursement is not guaranteed and depends on your plan. You are encouraged to contact your insurer directly if you want to understand your out-of-network mental health benefits.

What to Expect Before Beginning

Before beginning therapy, Cameron will clarify:

  • Your current physical location and state eligibility
  • Whether you are seeking private pay, self-pay, or insurance-based therapy
  • Whether Cameron has availability that fits your needs
  • Whether the work feels clinically appropriate
  • Fees, billing, and any insurance considerations
  • Whether individual therapy or couples work is the right fit

This process is meant to be clear and direct, not rushed.

Begin With an Inquiry

If you are seeking private-pay or multistate therapy with Cameron, you are welcome to begin with an inquiry.

Private-pay and self-pay inquiries are the most direct way to explore availability; insurance-based openings remain limited.

Begin With an Inquiry
Quick Answers

Before You Reach Out

Is private-pay therapy worth considering if I have insurance?

It can be, depending on your priorities. Private pay may offer more privacy, flexibility, and direct access, while insurance may lower cost but can add network limits, diagnosis requirements, and waitlists.

Why would I choose insurance-based therapy instead of private pay?

Insurance-based therapy may be the better choice when affordability is the deciding factor and you are comfortable with plan rules, documentation, and network limitations. Availability may be more limited than private-pay openings.

Should I look for an in-network therapist or pay privately?

An in-network therapist may be the best fit if cost is your main constraint. Private pay may be a better fit if you want direct access to a specific clinician, more privacy, or therapy that is not shaped primarily by insurance requirements.

Can I choose private pay even if I have insurance?

Yes. Some clients choose private pay even when they have insurance because they want more privacy, direct access, or flexibility around the focus and length of therapy. Fees and payment expectations are reviewed before care starts.

How do out-of-network benefits compare with private pay?

Out-of-network benefits may reimburse part of your fee depending on your plan, deductible, and documentation requirements. Private pay without reimbursement is simpler administratively but may cost more out of pocket.

Does online therapy cost or eligibility change by state?

Fees are reviewed before care begins, but eligibility depends on where you are physically located during each session. Cameron can provide online therapy when you are in NY, NJ, FL, MA, or VT.

Cameron Eshgh, LMHC-D

Clinician

Cameron Eshgh, LMHC-D

NPI 1336731413.

Page FocusFees & Insurance with Cameron Eshgh, LMHC-D.
FormatOnline therapy by appointment; select couples work when appropriate.
StatesNew York, New Jersey, Florida, Massachusetts, and Vermont.
FeesPrivate-pay sessions are listed at $150-$350; exact fees are reviewed before care starts.