North Bergen, NJ 2017. Photo taken by Christina De Lucia 

Frequently Asked Questions

Q: Do you accept my insurance?

A: Only for Light Counseling is currently accepting Cigna, Horizon Blue Cross Blue Shield of NJ, and Optum health insurance.


Q: How much does therapy cost? What if I can’t afford therapy?

A: Current self-pay rates (sliding scale): $75 for 45 minute session; $100 for 60 minute session. Reduced rates/special programs available for those in financial hardship, please inquire. 

Q: What forms of payment are accepted?

A: Accepted forms of payment are cash, credit card, and Zelle.


Q: How long are the therapy sessions?

A: Initial assessment: 60-70 minutes

Individual therapy session: 45-55 minutes

Family/Couples session: 60-90 minutes

Q: How do I make a first-time appointment?

A: Please see Appointments page.

Q: What if I have to cancel an appointment? 

A: If you need to reschedule or cancel an appointment, please notify Only for Light Counseling as soon as possible. To respect the time and scheduling efforts of the therapist, it is asked that you cancel within 24 hours of your appointment to avoid a cancellation fee. 

Q: Is therapy confidential?

A: Yes, therapy sessions are confidential and your privacy is protected under the Health Insurance Portability and Accountability Act (HIPAA). Everything you discuss in session will remain between you and your therapist and will need your written consent to be released anywhere else.

*Please note: under state law there are limits of confidentiality, which will be discussed in more depth during your initial session.

Q: What can I expect out of the whole therapy process?

A: To begin the process, simply call, email, or fill out the Contact form. Your inquiry will be answered either immediately or within 24-48 hours. A free 15-20 minute phone consultation is available to you to discuss your needs, budget, schedule, and what type of service you are looking for. Based on your availability, you will be given an appointment for your first session/initial assessment (where you will provide basic contact information and brief background). What you discuss in session will always be up to your own comfort and discretion and will remain between you and your therapist (see above for confidentiality). You are free at any time to ask questions, make suggestions, or discuss your needs. The therapy environment is non-judgmental, safe, and supportive.