Private Pay vs Insurance
Deciding to start individual therapy is a gigantic step. You’ve made the decision to take care of and invest in yourself. Therapy is a huge investment of time and resources, and it can have wonderful payoffs.
But let’s talk about the unpleasant elephant in the room: money. It’s an uncomfortable subject, but it doesn’t have to be. It’s an important issue to consider, because you are investing a significant amount of time and resources. When people think about how to pay for therapy, two thoughts come to mind: insurance and paying out of pocket.
I have insurance - why wouldn’t I use it?
It’s a valid question! You’re paying a premium every month, why shouldn’t you get the benefits? You use your insurance for your other medical providers, right?
Most insurance companies have some sort of coverage for mental health, with a network of qualified and talented therapists. Getting matched with one can be as simple as calling your insurance company and getting a couple of referrals. You can also search almost any of the online therapist directories and find someone who takes your insurance. The amount you owe per session depends on your particular plan – it can range from nothing to the full cost of the session, if you have a high deductible plan.
So why would someone with insurance choose to pay out of pocket?
Here are a few reasons why you might not want to use insurance to pay for therapy:
ARE THERE EXCEPTIONS?
Of course, if your finances are such that using your insurance is the only way you are able to access need treatment – then by all means, do it! For many people, using insurance IS the answer.
If your co-pay or deductible is too high, contact a community mental health center or a university training center, where sessions are often discounted. Open Path Collective is a group that allows therapists to offer online appointments on a sliding scale.
Getting needed treatment is always a priority!
For these reasons, I choose to only accept private pay.
I want the only people involved in the care of my clients to be myself and my clients. If you’d like to work with me, reach out today.