Rates and Insurance


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

For the other insurance companies, we will try to work with your out-of-network insurance benefits. If possible, we may 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 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 guide you as best we can.  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

(845) 624-2994

1250 E. Ridgewood Ave
Suite 12
Ridgewood, NJ 07450