I know how difficult it is to make ends meet. And I also know how important counseling and psychological testing can be to individuals who need assistance. I am writing this to tell you about the insurance I can accept.

I am fully in-network for the following insurance plans:

• Aetna
• Blue Cross/Blue Shield Plans, including
• **Empire BCBS of New York
• **Horizon BCBS of NJ
• -->BUT NOT EPO or HMO for Horizon
• Beach Health Strategies
• Beacon Health Options
• Beech Street Network
• Cigna
• Evernorth Behavioral Health
• EmblemHealth
• Fidelis Care
• FirstHealth
• GHI
• Great-West
• HIP
• Hudson Health Plan
• Humana
• Lifesynch
• Magnacare
• Meritain
  
• MVP
• NY SHIP
• Optumhealth (a.k.a., United Behavioral Health)
• OSCAR
• Oxford Health
• ValueOptions (a.k.a., Beacon Health Options)

For other insurance companies, I accept the payments allowable for out-of-network providers.

This shouldn't be a problem for you as long as your other insurance company allows you to use out-of-network providers!

If you cannot afford the co-payments, I understand how difficult times are, and I will accept the co-payments that you feel you can afford to make.

I can receive payments on amounts due via PAYPAL: My link is https://paypal.me/LAM907?locale.x=en_US