Therapists accepting Nippon Life Insurance Company of America in New Jersey

Seeing a Therapist Who Accepts Nippon Life Insurance Company of America

Nippon Life Insurance Company of America therapists, psychologists, and counselors are available for in-person appointments and video therapy sessions. 

Therapy with an in-network Nippon Life Insurance Company of America counselor may cost you no more than your copay, which typically ranges from $0 to $50. Some Nippon Life Insurance Company of America plans may require you to pay coinsurance instead of a copay, which means you’ll cover a certain percentage of the therapist’s fees out-of-pocket. 

You may have to pay the therapist’s full rate if you haven’t met your annual deductible with Nippon Life Insurance Company of America, even if the therapist is an in-network provider.

Depending on your Nippon Life Insurance Company of America insurance plan, there may be restrictions on the types of therapy services covered (e.g. couples counseling, grief counseling, psychological testing). Additionally, some plans may require you to get a referral from your primary care physician.

To check the specific costs and coverage details associated with your Nippon Life Insurance Company of America health insurance plan, give them a call at (800) 374-1835 or visit Nippon’s website to review your behavioral health benefits online.

Finding Psychologists, Therapists, and Counselors in New Jersey

Finding a therapist in New Jersey may be easier in the cities of Newark and Jersey City. Online therapy is also a great option to avoid travel or if a therapist with a certain speciality is not located near you. 

Out of pocket costs for therapy in New Jersey will be similar yet slightly lower than New York and will run between $100 - $150+ per session. For couples counseling and family therapy, costs might start at $125 - $175+ per session. First appointments with a therapist tend to be a little longer and may cost a little more. Also, it’s important to note that specialized services can cost more.

There are currently 22,080 counselors working in New Jersey with licenses, including Licensed Clinical Social Workers (LCSW), Licensed Marriage and Family Therapist (LMFT), Licensed Professional Counselor (LPC), and Psychologists (Ph.D. and Psy.D.). 

If you think you might qualify for free or reduced-cost services from the state, take a look at the NJ211 website and/or see if you qualify for Medicaid.

Licensed clinicians (and even interns) are held to strict practice guidelines to protect clients. If you’d like to learn more about identifying and reporting misconduct, learn more here.