Reasons to pay privately or
“Out of Pocket”
Private paying clients choose not to involve insurance companies in their mental health care. Their counseling is not limited by the diagnosis, treatment plan or session limits that health insurance companies dictate. Insurance companies often limit the number of sessions and even the type of therapy. Many insurance companies do not cover couples/relational or family therapy .
To have therapy services covered under insurance, a mental health diagnosis must be made. This then becomes a part of your permanent health care record . This may lead to limitations such as denial for quality life insurance or health insurance later on. Additionally, since a mental health diagnosis must be made to obtain reimbursement, the insurance company has to know a lot of information about you to be covered. The insurance company can review all of your records at their discretion.
By paying privately or out of pocket, I can assure private pay clients of the highest degree of privacy, flexibility and control of their mental health record allowed by state law, since my records are exempt from insurance reporting and random compliance audits. Our work is off their record.
In addition, many insurance companies require a deductible to be met before they start paying, so you may be paying out of pocket anyway.
We will work collaboratively to decide how often to attend therapy and you decide what you want to focus on. You have the control, not the insurance company.