Rates and Insurance

We believe mental health care should feel accessible and transparent.
Below you’ll find information about insurance, self-pay options, and affordable care programs

Many clients choose to use their health insurance for therapy sessions.

We work with several insurance providers and can help verify your benefits before your first appointment, so you know what to expect.

Coverage varies by plan and may include:

• A copay per session
• Coinsurance after a deductible
• A deductible that must be met first

Our team can help you understand your benefits and answer questions before getting started.


We are currently in-network with the following insurance plans:

  • Aetna

  • Amerihealth

  • BlueCross BlueShield

  • Cigna

  • Oxford Health Plus

  • Optum

  • United Healthcare

Using Insurance for Therapy

Start Intake to Verify Insurance

Tip: Have your insurance card handy during intake so we can verify your coverage.

Affordable Therapy Program for Self-Pay Clients

At Waves of Change Counseling and Healing, we believe that access to mental health support should not be limited by cost or insurance availability. Through our Affordable Care Program, we’re able to offer therapy to self-pay clients at a reduced rate by working with clinicians at different stages of their professional licensure, allowing us to expand access to care while maintaining quality support.

These therapists are carefully selected and work under the close supervision of our licensed clinicians, ensuring thoughtful, supportive care while making therapy more financially accessible.

Continue below to view our affordable care therapy rates.

Fully Licensed Clinician

Individual | $150
Couples / Families | $165

Associate Clinician

Individual | $100
Couples / Families | $115

Graduate Clinician

Individual | $40
Couples / Families | N/A

Ongoing sessions are 53–55 minutes. Most clients begin with weekly sessions and may transition to every other week over time, depending on their needs and progress.

Ready to Take the First Step?

If you’re ready to begin therapy with Waves of Change, you can request an appointment using our secure intake form.

Begin Intake

Still have questions? Visit our Contact Us page and we’ll be happy to help.

Waves of Change uses New Jersey Billing Solutions for billing and administrative needs.