Therapy with Momentum Behavioral Health is a collaborative and personalized experience, designed to fit your unique needs. The process begins with a brief consultation call, where we’ll discuss your concerns and determine if we’re a good fit for each other. If we decide together to move forward, your first appointment will involve getting to know more about you, your challenges, and your goals. Together, we’ll develop a treatment plan tailored to help you achieve those goals.

Most clients participate in weekly individual 45-minute sessions, usually lasting between 3-6 months, though the frequency and duration may vary depending on your specific needs and progress. Each session focuses on providing the tools and support to help you move forward, with a foundation in evidence-based approaches that have been shown to help people reach their goals more effectively and efficiently.

At this time, Momentum Behavioral Health is a fully virtual practice, offering services to clients located in New York, Maryland, and Alabama. This allows us to provide flexible, accessible care from the comfort and convenience of your own space.

Yes! Virtual therapy is a flexible and accessible way to receive high-quality care. At Momentum Behavioral Health, we use evidence-based treatments that are just as effective via telehealth as in-person. Research has shown that these therapies delivered virtually are just as effective in treating issues like sleep disorders, anxiety, and trauma as traditional face-to-face sessions.

Virtual therapy also offers added convenience by eliminating the need for travel, taking time off work, or dealing with time constraints, all while maintaining strong connections and progress. The flexibility of virtual therapy often improves attendance and consistency, enhancing overall results.

At Momentum Behavioral Health, we’re committed to delivering effective, personalized, and evidence-based care, no matter the format.

No — like most private practice psychologists, Dr. Tate is an “out-of-network” provider and does not have contracts with insurance companies. This is an intentional choice in order to provide the best, most effective, and highest-quality of care for our clients.

However, many clients are able to use their out-of-network benefits to receive partial or even full reimbursement. Clients are billed directly for services and can receive a “superbill” (a receipt with all necessary information) to submit to their insurance company for reimbursement. We recommend contacting your insurance company to understand the benefits and the reimbursement process, as coverage can vary by policy. Some questions you may consider asking are outlined below.

Detailed information about our fees, and why working with a private pay psychologist is worth the investment, is also included below.

If you wish to seek reimbursement from your insurance company and have out-of-network benefits, we recommend asking your insurance provider the following questions:

1. Does my policy include out-of-network benefits for mental/behavioral health services?

2. Does my policy cover psychologists and/or social workers?

3. How much will I be reimbursed for the following services:

   • Initial intake (CPT code 90791)

   • 60-minute session (CPT code 90837)

   • 45-minute session (CPT code 90834)

   • 30-minute session (CPT code 90832)

4. Are there any services or types of therapy that are not covered for which I will not be reimbursed?

5. How many sessions of psychotherapy are covered each year under my policy?

6. Do I need to meet a deductible before I am eligible for out-of-network benefits? How much of my deductible have I met this year?

7. Can I pay out-of-pocket for my sessions and submit superbills for reimbursement?

8. Does my insurance cover teletherapy sessions, or are there restrictions?

9. Do I need to obtain an authorization prior to starting treatment?

10. What documentation do I need to submit to receive reimbursement (e.g., superbills, progress notes, etc.)?

When you choose to work with a private-pay psychologist, you’re choosing the highest level of personalized care, free from the limitations that insurance often imposes. Without the constraints of insurance — like diagnosis codes, arbitrary session limits, or restricted treatment options — we can craft a treatment plan that’s tailored to your unique needs. This means that every part of your care can be focused entirely on what will truly help you, creating a therapeutic experience that is more effective and meaningful.

By not working with insurance companies, we’re also able to maintain a smaller caseload, which means we can dedicate more time and attention to you. This leads to a deeper connection and a stronger therapeutic relationship, where your well-being is the priority. You’ll receive support that’s flexible and adaptive to your needs, allowing us to make adjustments as you grow and progress.

Additionally, because we can see clients more frequently and offer evidence-based, effective, and personalized care, many people find that private-pay therapy can be more cost-effective than traditional insurance. You can make faster progress, often in few sessions, which can save you both money and time in the long run.

Choosing a private-pay psychologist also offers you a higher level of privacy. Without the need to share your sensitive health information with insurance companies, your personal data stays more secure, giving you peace of mind.

At Momentum Behavioral Health, we want you to feel confident in your treatment, knowing that you’re receiving the highest quality care — free from the complications and restrictions often associated with insurance-based therapy. Your health, your growth, and your privacy are at the center of everything we do.

We believe that high-quality, personalized care is an investment in both your well-being and your life. Our services are designed to provide you with the most effective, evidence-based treatments tailored to your unique needs. Because we can see clients more frequently—often weekly, or more if indicated—we’re able to deliver focused care that helps people reach their goals in a shorter amount of time. Most clients achieve meaningful progress within just a couple months, rather than the years it can sometimes take with less frequent or less personalized care.

In many cases, our private-pay model can actually be more cost-effective than traditional insurance, as it allows you to make faster progress and often require fewer sessions in total.

Below are the standard fees for our services:

Initial Intake/Assessment (60 minutes): $400
Individual Therapy Session (45 minutes): $350
Individual Therapy Session (60 minutes): $380
Individual Therapy Session (30 minutes, offered on a case-by-case basis): $320
Extended Individual Therapy Session (90 minutes, offered on a case-by-case basis): $410

Please note that fees are subject to change and will always be discussed with you prior to services beginning. If you have any questions or concerns about fees, we’re happy to discuss them during your consultation call.

Of course! You can pay for services directly from your HSA using your HSA debit card. You can also use your HSA to reimburse yourself for out-of-pocket expenses if you prefer to use a different payment method. We also accept American Express, Discover, Mastercard, and Visa.

Momentum Behavioral Health complies with the No Surprises Act, which ensures clients who pay out-of-pocket for therapy are fully aware of the costs in advance. We can provide a Good Faith Estimate if requested. To learn more, click here.

For immediate assistance or emergency services, please call 911, or go to your nearest Emergency Department. You can also reach out to the Crisis Line at by calling or texting 988, or chatting with them via their website here.