Therapy cost in NYC without insurance: fees and what to expect
If you are wondering about therapy cost in NYC without insurance, here is everything up front: what each session costs, how payment works, and what happens if you need to cancel.
Money is one of the most common reasons people put off therapy, and one of the least talked about. Rubina would rather you know the numbers before you book than feel surprised afterward. If something here is unclear, send a message and the team will answer plainly, with no pressure.
- LCSW
- CASAC-2
- Author of Stop Being Okay
- Urdu · Hindi · Punjabi
- In person in NYC
- Online across New York
Session fees
These are the current rates for sessions with Rubina K. Singh, LCSW. Online and in-person sessions cost the same.
| Session | Length | Fee |
|---|---|---|
| Initial consultation (new clients) | 50 minutes | $150 |
| Individual therapy | 50 minutes | $125 |
| Children's therapy | 45 minutes | $125 |
| Couples & marriage counseling | 60 minutes | $200 |
| Family therapy | 60 minutes | $300 |
Sessions in Spanish with Yasmeyris Veras, BSW, a supervised social work intern, are offered at a lower fee; details are on the Spanish-language page. The online group program for South Asian women is $35 per session, or $497 for all 8 weeks (16 sessions).
Insurance: why this is a private-pay practice
Reflections with Rubina does not accept or bill health insurance. Every session is paid directly by the client. This keeps your care between you and your therapist: there is no insurer deciding how many sessions you get, and no diagnosis has to be sent to a company in order for you to be seen.
If you have out-of-network mental health benefits, you can call your insurer and ask whether they reimburse sessions with a Licensed Clinical Social Worker, and what paperwork they need. Then ask the practice what documentation it can provide for your situation. Reimbursement decisions are made by your insurer, not by the practice, so it is worth checking before you rely on it.
How payment works
Payment is due before your scheduled session, unless you have agreed something different with your therapist. You can pay:
- Online when you book a session, by card
- By Zelle to (845) 422-0700
- By cash or check
- With session credits in your client portal: one credit is $125, and a pack of five credits is $600
Credits are handy if you come weekly; your balance updates as soon as you buy, and sessions are paid from it when you book.
Cancellations and missed sessions
Please give at least 24 hours' notice if you need to cancel or reschedule. That time is held for you and can be offered to someone else only with enough warning.
A missed appointment without notice incurs a $50 fee, and new appointments are scheduled once that balance is cleared. Life happens, and if something serious came up, tell the team. Repeated no-shows may mean the practice is no longer the right fit.
Your right to a Good Faith Estimate
Under the federal No Surprises Act, clients who are not using insurance have the right to receive a Good Faith Estimate of expected charges before care begins. You can request one at any time. If you are billed noticeably more than the estimate, you have the right to dispute the bill. You can read more at cms.gov/nosurprises.
Is therapy worth the cost?
Only you can answer that, but it may help to think about what the problem is already costing you: sleep, health, work, the atmosphere at home, the weekends lost to dread. Many clients find that a period of weekly sessions followed by a gentler rhythm is manageable, especially with credits. If cost is the barrier, say so. The team can talk through session frequency, the group program, the lower-fee Spanish-language option or self-guided resources such as the Quiet the Storm course and Rubina's book.
What sessions look like
Individual sessions are 50 minutes, couples and family sessions an hour, children's sessions 45 minutes. Rubina sees clients in person in New York City and online across New York State.
Your first appointment is an initial consultation, where Rubina listens, asks about your history and what you want to change, and suggests a plan. After that you book ongoing sessions at the regular rate, weekly or every other week depending on what you need and what works for your budget.
Rubina K. Singh, LCSW, CASAC-2
Rubina has spent more than fifteen years in mental health. She holds a BSW from Rutgers, an MSW from Capella and is completing her doctorate in social work. She is a Licensed Clinical Social Worker in New York, a CASAC Level 2 addiction counselor, and the author of Stop Being Okay. She grew up between cultures, and she speaks English, Urdu, Hindi and Punjabi.
Questions people ask
Do you take insurance?
No. The practice is private pay and does not bill insurance. If you have out-of-network benefits, ask your insurer about reimbursement and ask the practice what documentation it can provide.
How much does couples therapy cost?
Couples and marriage counseling sessions are $200 for an hour. See couples counseling in NYC for how the sessions work.
Do online sessions cost less?
No. Online and in-person sessions are the same price, because the time and clinical care are the same.
Do you offer a sliding scale?
The published rates apply to sessions with Rubina. Lower-cost options include Spanish-language sessions with a supervised intern and the online group program. Ask the team about what fits your situation.
When do I pay?
Payment is due before your session, online, by Zelle, cash or check, or from portal credits.
Is there a more affordable therapy option?
Yes. Individual sessions with Rubina are $125. Lower-cost options include the online group program from $35 a session and Spanish-language sessions with Yasmeyris Veras, a supervised MSW intern, at $80 after the first session. Rubina does not offer free counseling, but the team will tell you honestly which option fits your budget.
Last reviewed October 13, 2026 by Rubina K. Singh, LCSW
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