Rates and insurance


Cognitive & Dialectical Behavior Solutions and Minisink Psychology & Psychotherapy is an in-network provider with Aetna & 1199 in New York and New Jersey. We do not accept Medicaid or Medicare. 

For the other insurance companies, we can work with your out-of-network insurance benefits. We will gladly call on your behalf to find out your specific coverage and in most cases will be able to bill the insurance directly from our end to save you the hassle of extra paperwork.

Dr. Espinosa’s goals for the provision of psychotherapeutic services are based on the foundation of:  effective, affordable, comprehensive, accessible, & personal services to our clients.

We offer a reasonable and fair private pay discount rate if you are using your out-of-network benefits.  Sometimes your out-of-network services offer better coverage than you think.  So please give us a call and we will find out for you.  Please contact us by leaving a message at (845) 624-2994 for further information


Cash, check, and credit cards (Visa or MC) are accepted.

Cancellation Policy

A scheduled appointment means that time is reserved only for you.  If an appointment is missed or cancelled with less than 24-hours notice, you will be held responsible for payment of the entire session fee. 

Cognitive & Dialectical Behavior Solutions

1250 E. Ridgewood Ave
Suite 12
Ridgewood, NJ 07450

305 Main Street
2nd Floor

Goshen NY 10924
(845) 624-2994