Jose H. Caraballo, LCSW

Jose H. Caraballo, LCSWJose H. Caraballo, LCSWJose H. Caraballo, LCSW

Jose H. Caraballo, LCSW

Jose H. Caraballo, LCSWJose H. Caraballo, LCSWJose H. Caraballo, LCSW
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Insurance and Payment Options

I aim to make the financial side of therapy as clear and straightforward as possible. I accept select commercial insurance plans through trusted partners, and I also offer private-pay options. 

In-Network Coverage

I accept select commercial insurance plans through trusted billing partners. Coverage depends on your specific plan and network eligibility, so benefits should be verified before we begin.


Insurance generally covers standard 50-minute individual sessions only. Extended 90-minute sessions are billed at the private-pay rate. 

Private-Pay Therapy

 Some clients choose private pay for more privacy, more flexibility, and fewer insurance-related limits on care. 


Please see the Services page for a full list of session formats and fees.

Out-of-Network Benefits

 If I am not in-network with your plan, you may still be able to use out-of-network benefits. If you pay privately, I can provide a superbill for possible reimbursement. 


If you plan to use out-of-network benefits, I recommend calling your insurance provider before our first session and asking:

  • Do I have out-of-network mental health benefits for outpatient psychotherapy?
  • Do I have an out-of-network deductible, and has it been met?
  • What percentage of the session fee will I be reimbursed after meeting my deductible?
  • Do I need pre-authorization before beginning therapy?

Ready to take the next step?

The easiest way to get started is to book a brief consultation. We can review your needs and discuss next steps from there.

Book a Free 15-Minute Consultation

 If you are experiencing a mental health emergency, this site is not intended for emergency support. Please call 911 or contact the Suicide & Crisis Lifeline at 988.   

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