Frequently Asked Questions

Delivery of Treatment

Therapy and evaluation appointments are provided either in-person at Center for Resiliency’s office in Montvale, NJ, or via teletherapy. The teletherapy platform used is RingCentral, which is HIPAA-compliant.

Accepted Forms of Payment?

Payment forms include cash, check, all major credit cards, Zelle, and Health Savings Accounts (HSA).

What is your Cancellation Policy?

Center for Resiliency has a 24-hour cancellation and re-schedule policy for all appointments.

Do You Accept Insurance?

CFR is considered an out-of-network mental health provider and does not accept health insurance.  

Several insurance companies offer out-of-network benefits and will reimburse patients for mental health services. You should check with your insurance provider to determine your out-of-network benefits.

CFR will provide patients with a detailed invoice statement, after each session, inclusive of necessary codes, for possible reimbursement from your insurance company.

Here are some helpful questions to ask the insurance company regarding your out-of-network benefits: ​

  • Do I have out-of-network benefits for mental health services?
  • Do I have an out-of-network deductible?
  • Are any of the following CPT codes covered: 90791, 90671, 90834, 90837, 90832?
  • Will I be reimbursed partially or entirely for the amount I pay out-of-pocket to the practitioner?
  • How many visits are covered in a calendar year?


This notice serves to address the new federal “no surprises” act that was enacted on 1/1/22 and clarify how it relates to the practice of psychology at Center for Resiliency. All healthcare providers and healthcare facilities are required to notify patients of their federal rights and protections against “surprise billing.” It requires that we notify you of your federally protected rights to receive a notification when services are rendered by an out-of-network provider, if a patient is uninsured, or if a patient elects not to use their insurance.

The act was developed in response to situations where patients receive unexpected charges for medical procedures. For example, some hospitalized patients found that they received care from multiple providers, some of whom did not participate with their insurance. Even though they had no control over who treated them while in the hospital, they were nonetheless held responsible for charges that they never authorized. Thus, they were, as you can imagine, ‘surprised’ with their medical bill upon receipt.

The “No Surprises” act should be very helpful in such situations and protect vulnerable patients. It carries the expectation that all potential services should be outlined ahead of time. Although this act applies to all healthcare providers, unexpected charges rarely occur with out-of-network psychology practices who provide individual services with a set fee. It presumes that patients may encounter unexplained charges throughout the course of psychotherapy. It also presumes that psychology practices can accurately predict each patient’s long-term cost of treatment. Both assumptions are not relevant to most outpatient psychotherapy practices, including Center for Resiliency.

CFR is required to provide you with a Good Faith Estimate of the cost of services since we are not in-network with any insurance companies. Psychotherapy consists of individual appointments – not a service involving multiple providers, or a “package” limited to a set number of sessions. Most people enter psychotherapy quite aware that neither they nor the therapist can clearly predict how many sessions will be needed. At CFR, our philosophy is to work collaboratively with each patient to help them achieve their goals. Your CFR therapist might offer their professional recommendation related to the benefits of increasing or decreasing frequency of treatment, but ultimately, we always respect the final decision of each patient.

CFR is including the No Surprise Act information on its website, as required by law, but with the awareness that it is not reflective of how CFR bills their patients. CFR is always clear about their fees, which are verbally agreed upon at the time of the initial call with the CFR administrative assistant, and subsequently in writing through the New Patient Forms provided to the patient before they commence treatment.

Good Faith Estimate

Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.

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.
  • You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a 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