Can I use my insurance out-of-network? What is a SuperBill?

Yes — if you have a PPO or POS plan, you likely have out-of-network mental health benefits. Here is how it works: you pay Matthew directly at the session rate, and Matthew provides you a SuperBill after each session. A SuperBill is an itemized receipt that includes your diagnostic code, procedure code, session date, and clinician license information — everything your insurer needs to process a reimbursement claim. Many PPO policyholders recover 50–80% of out-of-network therapy costs after meeting their deductible. HMO plans typically do not include out-of-network benefits. To check your benefits, call the member services number on your insurance card and ask: "What are my out-of-network mental health benefits for outpatient individual therapy?"

Can I use my HSA or FSA?

Yes. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can typically be used for therapy sessions. Matthew can provide documentation if needed.

Is there a cancellation fee?

Late cancellations (less than 24 hours notice) and no-shows are charged at the full session rate. This policy respects Matthew's time and supports the clinical value of consistency in your treatment.

What is the R.A.V.E.S. framework?

R.A.V.E.S. is a structured clinical framework Matthew developed and uses across individual therapy. Each letter maps to a core component of the work: R — Regulate (emotional regulation and nervous system stabilization), A — Awareness (identifying patterns, triggers, and internal states), V — Values (clarifying what matters and building a life around it), E — Engage (relational attunement, communication, and repair), S — Sustain (building the psychological infrastructure for long-term resilience). R.A.V.E.S. is not a rigid protocol — it is a consistent clinical lens. It gives structure to the work without reducing it to a checklist.

What is "mental wealth" — and how is it different from mental health?

Mental health is the baseline — the absence of diagnosable disorder. Mental wealth is the goal beyond the baseline: a rich, functioning inner life that supports everything you care about. Matthew's practice is built on the premise that most people who seek therapy aren't simply trying to stop suffering — they are trying to build something. Mental wealth is the language for that. It reframes therapy as investment, not repair.

What states do you offer telehealth in?

Matthew Sexton, LCSW is licensed and offers telehealth therapy in New York, Florida, Maine, and Delaware. In-person sessions are available in Nassau County, New York.

How do I get started?

The first step is a free 15-minute consultation call — no commitment, no charge. Matthew uses this call to answer your questions, explain the process, and determine whether his approach is a good clinical fit for what you're bringing. If it is, you schedule a first session. If it isn't, Matthew will point you toward someone who may be a better fit. To schedule, use the booking link on this site or reach out directly.

What is a private pay therapist?

A private pay therapist is a licensed mental health professional who does not bill insurance companies directly for sessions. Instead, clients pay the therapist directly at a set rate. This model eliminates insurance restrictions on session frequency, treatment duration, and which diagnoses qualify for coverage. It also means no psychiatric diagnosis is required to begin therapy, no prior authorization is needed, and your treatment records are not shared with insurance companies. Mental Wealth Solutions is a private pay practice — sessions are $225 each, and Matthew provides a SuperBill for clients who want to seek out-of-network reimbursement from their insurer.

How much does therapy cost without insurance in New York?

In New York, private pay therapy typically ranges from $150 to $350+ per session depending on the clinician's experience, specialization, and location. Manhattan-based therapists tend to charge toward the higher end. Mental Wealth Solutions charges $225 per 50-minute session — a rate that reflects Matthew Sexton's specialized training (LCSW, NATC certification), clinical experience with complex populations (transplant patients, burnout, narcissistic abuse), and the smaller caseload that allows for genuine clinical attention. Many clients recover 50–80% of session costs through out-of-network insurance reimbursement using the SuperBill provided after each session.

What is telehealth therapy and how does it work?

Telehealth therapy is licensed psychotherapy conducted via secure video conferencing instead of in-person. Sessions are identical in structure, duration, and clinical quality to face-to-face appointments. You connect from a private location using a computer, tablet, or smartphone. Matthew Sexton, LCSW uses a HIPAA-compliant video platform for all telehealth sessions. Research consistently shows that telehealth therapy produces equivalent clinical outcomes to in-person therapy for most conditions, including anxiety, burnout, and relational issues. Mental Wealth Solutions offers telehealth to clients located in New York, Florida, Maine, and Delaware at the time of their session.

Can I see a therapist in another state via telehealth?

Telehealth therapy is regulated by state licensure laws. A therapist must hold an active license in the state where the client is physically located at the time of the session — not where the therapist is located. Matthew Sexton, LCSW holds active clinical licenses in New York, Florida, Maine, and Delaware. If you are physically present in one of those states during your session, Matthew can legally and ethically provide telehealth therapy to you regardless of where his office is located. If you travel outside those states, sessions would need to pause until you return to a licensed state.

What is the difference between an LCSW and other therapists?

LCSW stands for Licensed Clinical Social Worker — one of the most rigorous clinical licenses in mental health. It requires a Master's degree in Social Work (MSW), thousands of hours of supervised clinical experience (typically 3,000+ hours over 2–3 years post-graduation), and passing a clinical licensing exam. LCSWs are trained in both individual psychotherapy and systems-level thinking — meaning they understand how relationships, institutions, healthcare systems, and social structures affect mental health. This distinguishes LCSWs from other licensed therapists (LMHCs, LMFTs) who may focus more narrowly on individual or family dynamics. Matthew Sexton holds LCSW licensure in four states.

What is the Vibe Check tool?

Vibe Check is an emotionally intelligent assessment tool that helps you identify where you are psychologically — not through a clinical diagnosis, but through a reflective experience that surfaces patterns in your emotional life. It is designed as a starting point: something you can do before therapy to get clearer on what you are carrying, or between sessions to track your emotional state over time. Vibe Check is available at vibecheck.luxury.

What is TransplantCheck?

TransplantCheck is a specialized mental health screening tool built for transplant patients and recipients. It focuses on the psychological dimensions of the transplant experience — waitlist anxiety, post-transplant adjustment, survivor's guilt, chronic illness identity, and medical trauma. TransplantCheck is designed to help transplant patients identify and articulate what they are experiencing emotionally, and to help connect them with appropriate support.

Do you work with transplant patients?

Yes — and this is one of Matthew's primary clinical specialties. Matthew's background includes direct experience working with patients experiencing end-stage renal disease (ESRD) and those navigating the transplant process. He is one of the few LCSWs in private practice in the northeast with this specific population focus. The psychological weight of organ transplant — the waitlist, the surgery, the recovery, survivor's guilt, body image shifts, post-transplant depression — is real and often undertreated. Matthew's practice takes it seriously.

Mental Wealth Solutions — Matthew Sexton, LCSW

Frequently Asked Questions

Q: Do you take insurance?

No. Mental Wealth Solutions is private pay only. Matthew Sexton, LCSW is not paneled with any insurance network. This is a deliberate choice — not a limitation. Insurance billing requires a psychiatric diagnosis in your permanent medical record, limits session frequency, and allows an insurance reviewer who has never met you to determine your treatment plan. Private pay removes all of that from the equation.

Q: How much does therapy cost?

Sessions are $225 per 50-minute individual therapy session. There are no hidden fees, intake charges, or administrative costs. That is the rate — full stop. Matthew also maintains a limited number of reduced-fee spots for clients with demonstrated financial need, discussed confidentially on the consultation call.

Direct answers. No hedging.

What is private pay therapy? How much does therapy cost in New York? Do you take insurance? Can I use my insurance out-of-network? These are the questions people actually ask — answered plainly.

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Private pay only. $225/session. Telehealth in NY, FL, ME & DE.

Mental Wealth Solutions provides individual psychotherapy and mental health consulting. Out-of-network reimbursement is not guaranteed and depends on your specific insurance plan. Matthew Sexton, LCSW is licensed in New York, Florida, Maine, and Delaware. TransplantCheck and Vibe Check are separate tools and not therapy services.