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insurance vs private pay

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Jul 23, 2026private practice

What to Charge Per Session in NY/NJ/CT (and Why You're Probably Underpricing)

New York's average private-pay session runs about $176 — but after tax and overhead you keep only 55-65 cents on the dollar. The real ranges for NY/NJ/CT, the insurance-vs-private-pay math, and how to set (and raise) a rate without guilt.

Matthew Sexton, LCSWRead article

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