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Green Hills with Blue Sky

Rates & Insurance

Regular Hours

Monday 10:00 AM - 8:00 PM
Tuesday 10:00 AM - 8:00 PM
Wednesday 10:00 AM - 8:00 PM
Thursday 10:00 AM - 8:00 PM


*Early morning appointments are available upon request, if necessary.


$200.00 per Intial 50-minute Diagnostic Evaluation
$150.00 per 50-minute Psychotherapy session


I am a contracted provider for most commercial insurances including:

Blue Cross/Blue Shield (all products including HMO Blue/PPO/Federal/Blue Choice)
Harvard Pilgrim Health Care
Pacificare Behavioral Health
United Behavioral Health
Cigna and Cigna Behavioral Health
Beacon Health Strategies
All One Health EAP
Wellness Corp
Neighborhood Health Plan
Tufts Health Plan
Fallon Community Health

Services may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by asking the following questions:

  • Do I have mental health benefits?
  • What is my deductible and has it been met?
  • How many sessions per calendar year does my plan cover?
  • How much does my plan cover for an out-of-network provider?
  • What is the coverage amount per therapy session?
  • Is approval required from my primary care physician?

Benefit Coverage/Authorization

It is the responsibility of every new client to obtain this information, as well as an authorization for services prior to your first scheduled appointment. It is also
understood that should there be a deductible, payment of the full contracted rate usually covered by your insurance company will be made at the time of each session.



Reduced Fee

Reduced fee services are available on a limited basis.




Insurance co-pays are expected to be paid at the time of session. Cash, check, and credit cards (through PayPal), are accepted. Checks can be made payable to either Michael Oster, LICSW or Advanced Counseling Therapies. If you would like to pay by credit card, go to the Make a Payment page.

If you have an established PayPal account, you can enter your co-pay amount, click enter and you will be brought to the PayPal window. Confirm the payment and submit it. If you would like PayPal to automatically pay your co-pays on a weekly or monthly basis, you may establish an auto-payment through the web site as well. This payment option must also include auto-payments on your no show/cancellation fees. Co-payments through PayPal are expected to be paid promptly and must be received prior to your next scheduled visit. If co-payments are not received by this time, payment by credit card will no longer be an option to you.

Cancellation Policy

If you do not show up for your scheduled appointment and have not notified us at least 24 hours in advance, you will be required to pay $100.00 out of pocket. However, if you are able to fill in another canceled appointment time during the same week, that fee will be waived, provided an opening is available.

Schedule On line

Request an appointment on line here.


Questions?  Please contact me for further information.