Resources
How Much Does a Private Psychiatrist Cost in NJ? Out-of-Network & Superbills Explained
What self-pay psychiatry means, how superbills work, and how to find out what your insurance may reimburse — before your first visit.
The short answer
The cost of a private psychiatrist in New Jersey depends on the practice, the length of the visit, and whether it's a first evaluation or a follow-up — and many private practices are self-pay rather than in-network. With a self-pay practice, you pay at the time of your visit and receive a superbill, a detailed receipt you can submit to your insurer for possible out-of-network reimbursement. How much you get back depends entirely on your plan's out-of-network benefits, deductible, and coinsurance.
In-network vs. self-pay psychiatry
An in-network psychiatrist has a contract with your insurance company. The practice bills your insurer directly, and you typically pay a copay or coinsurance set by your plan. The trade-off is that in-network practices often carry large patient panels, which can mean long waits for a first appointment and shorter, more rushed follow-ups.
A self-pay (or out-of-network) psychiatrist doesn't contract with insurance companies. You pay the practice directly, and the practice sets its own visit length and schedule rather than working within insurer rules. Momentum Modern Psychiatry is in network with select insurance plans — contact the office to find out whether Dr. Egenburg is in your network. For patients with other plans, Momentum works on a self-pay, out-of-network basis, and payment is due at the time of service.
Why some people choose an out-of-network psychiatrist
Paying out of pocket isn't the right choice for everyone, but many adults choose it deliberately. Common reasons include:
- More time with the physician — longer evaluations and unhurried follow-ups rather than brief medication checks.
- Continuity — seeing the same psychiatrist every time, who knows your history.
- Faster access — not waiting months for an in-network opening.
- Privacy and discretion — a smaller practice and direct relationship with your doctor.
- Flexibility — care designed around clinical need rather than insurer visit limits.
What is a superbill?
A superbill is an itemized statement of the care you received, formatted so your insurance company can process it. It generally includes the provider's name, credentials, and identifying numbers (such as the NPI and tax ID), the date of service, standardized procedure codes (CPT codes) describing the visit, diagnosis codes (ICD-10), and the amount you paid.
At Momentum, if Dr. Egenburg isn't in your network, a detailed superbill is provided after each visit. You submit it to your insurer yourself — usually through the insurer's member portal, app, or a mailed claim form — and any reimbursement is paid directly to you.
Questions to ask your insurance company
The best way to estimate what you'll get back is to call the member services number on your insurance card before your first visit. Ask specifically about outpatient mental health (behavioral health) benefits with an out-of-network provider:
- Does my plan include out-of-network benefits for outpatient mental health care? (Some plans, especially many HMO and EPO plans, don't.)
- What is my out-of-network deductible, and how much of it have I met this year? It's often separate from — and higher than — the in-network deductible.
- After the deductible, what percentage is reimbursed (coinsurance)?
- How does the plan calculate the 'allowed amount' for an out-of-network visit? Reimbursement is usually a percentage of the insurer's allowed amount, not of what you paid.
- What reimbursement is typical for CPT code 90792 (a psychiatric diagnostic evaluation with medical services) and for follow-up evaluation and management visits (codes in the 99212–99215 range)?
- Is pre-authorization required, and is there a deadline for submitting claims?
How to submit a superbill, step by step
Once you've paid for a visit and received your superbill, the process is usually straightforward:
- Download or request your insurer's out-of-network claim form, or find the claim upload option in your member portal or app.
- Fill in your member details and attach the superbill — and, if requested, proof of payment.
- Submit it within your plan's filing deadline, and keep a copy for your records.
- Watch for an Explanation of Benefits (EOB), which shows how the claim was processed and how much will be reimbursed.
- If a claim is denied or reimbursed less than expected, call your insurer to ask why — sometimes it's a simple missing detail that can be corrected and resubmitted.
Other ways people cover the cost
Many people use pre-tax dollars from a health savings account (HSA) or flexible spending account (FSA) for psychiatric care; check your plan administrator's rules. Keep in mind that until you meet your out-of-network deductible, you may not receive any reimbursement — superbills you submit still count toward meeting it.
Fees at Momentum Modern Psychiatry
Momentum doesn't publish fees online, because the right plan depends on your needs. Contact the practice for current fees — the team will gladly walk you through them. Your initial consultation is free: a no-obligation conversation to talk through what you're looking for and whether Momentum is the right fit, before you commit to anything.
Frequently asked questions
Does Momentum Modern Psychiatry take insurance?
Momentum is in network with select insurance plans — reach out to find out whether Dr. Egenburg is in your network. For other plans, a detailed superbill is provided after each visit so you can submit it to your insurer for potential out-of-network reimbursement.
How much will my insurance reimburse for an out-of-network psychiatrist?
It depends entirely on your plan — whether it has out-of-network benefits, your out-of-network deductible, your coinsurance, and how the insurer sets its allowed amount. Calling your insurer with the questions above is the most reliable way to estimate it.
What CPT codes are used for psychiatry visits?
A psychiatric diagnostic evaluation with medical services is commonly billed as CPT 90792, and follow-up medication management visits are usually billed with evaluation and management (E/M) codes. The exact codes for each visit appear on your superbill.
Can I use my HSA or FSA to pay a psychiatrist?
In many cases, yes — psychiatric care is generally an eligible medical expense. Confirm the details with your HSA or FSA administrator.
Is the first consultation free?
Yes. The initial consultation at Momentum is free and carries no obligation. It isn't a clinical visit — it's a chance to discuss what you're looking for and whether the practice is a good fit.
Why don't you list your fees online?
Fees can depend on the type of visit and your treatment plan, so the practice shares current fees directly. Reach out anytime, or ask during your free consultation.
Start with a free consultation
A no-cost conversation with Dr. Egenburg's office to talk through what you're looking for and whether Momentum is the right fit. In person in Marlboro, NJ, or by telehealth in New Jersey and New York.
Related
From Momentum Modern Psychiatry, the practice of Deanna Egenburg, MD. Updated September 2026. For general information only — not medical advice.