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The Benefit to Not Using Your Insurance for Mental Health Treatment: There are several benefits to leaving insurance out of therapy. Using insurance means submitting a diagnosis, which may impact future insurance coverages including; life insurances and/or disability insurances, as well as future health insurances.

Many seasoned and highly experienced therapists will not work with insurances companies because providers pay very low, it is generally an additional stress (and job) to deal with the associated paperwork, phone calls, and business-related conflicts. High deductibles are almost always required, therefore you are paying fully out of pocket for months before your insurance coverage even kicks in. Is it worthwhile to choose a random therapist from an insurance list when you’re going to have to pay out of pocket anyway? This is also complicated by high copays. People can go from paying fully out of pocket to high copays that almost makes using the insurance worthless. If you switch jobs, or if your job switches insurance plans, you may lose your coverage for a particular provider after an intimate and safe therapeutic relationship has been established, finding yourself having to start over with a new therapist.

This is a partial list. But suffice it to say that dealing with insurance as part of therapy adds complications across the board with who you can see, how long your therapy will be covered, how much will be covered, going back and forth from being covered to not being covered (deductibles), confidentiality, and more. It essentially takes the therapy out of your control and puts it in the hands of the insurance company. While this may be fine for some types of medical care, psychotherapy is an incredibly close and personal relationship. It’s a significant risk to put this type of relationship in the hands of an insurance company, who from day one to the next, would like nothing more than to stop spending money covering your treatment.

The best way to avoid all of this is to consider making the investment to pay for your therapy out of pocket. If you’re paying out of pocket, there is no dealing with filing claims, managing allowed amounts, tracking deductibles, coinsurances, limits, etc. You choose your provider, and you have your therapy. Clean and easy.

My clients have acknowledged that it’s increased their sense of empowerment to see that they can invest in their personal growth, emotional healing, increased personal independence, receive complete confidentiality, and being the master of their own self-care. We hope you understand and look forward to working with you.