Rates & Forms

Rates

Individuals: $200 per one-hour individual sessions
Couples: $250 per session
Reduced Fee: Sliding scale will be considered if you are an individual in financial distress.

Insurance

Services may be covered in full or in part by your health insurance or employee benefit plan.

If you have an out-of-network plan, you may be eligible for partial or full reimbursement by your insurance company. I would provide you with a Paid Invoice which you can submit to them. It's always a good idea to check with your insurance company.

For out-of-network insurance, please check your coverage carefully with your health care provider by asking the following questions.

• Do I have mental health benefits?

• What is my deductible and has it been met?

• How many sessions per calendar year does my plan cover?

• How much does my plan cover for an out-of-network LCSW provider with a CT license?

• What is the coverage amount per therapy session (usually called the customary and reasonable rate) and the percentage insurance pays?

• Judith Gruber’s office zip code is: Niantic, New London County 06357

• Is approval required from my primary care physician?

• Insurance will ask about Procedure Codes. Find out which codes are covered.

• Initial consult- 90791

• Individual 45-50 minute session - 90834

• Individual 60-minute session - 90837