Discover The Pros & Cons Of Private Pay Vs. Insurance

Private Pay vs. Insurance

It's Up To Each Client To Decide

Private Pay Clients

  • Full Control Over Therapy Process
    In our private pay practice, all decisions over your therapy, such as how often to have sessions, when to have sessions, the requirements for continued sessions, and the techniques and modalities used, are ALL controlled by YOU and US.
  • Your Sessions Are Confidential
    As a private-pay practice, we keep all of your records and session notes strictly confidential. Therefore, we do not need to send your confidential information to an insurance company to read and review in order to approve payment reimbursements.
  • We Do Not Diagnose Our Clients
    In a private practice, we are not bound by any insurance requirements. Therefore, we will not diagnose you, your partner or family member with a mental health diagnose just so that we can get paid by an insurance company. Plus, there won't be a mental health diagnosis in your insurance records in the future which can potentially affect insurance coverage and/or your insurance premiums.
  • Some Clients Cannot Afford Private Rates
    While our private pay fees are reasonably affordable, we understand that not all clients are in the financial position to pay hundreds of dollars per month for mental health services. 
  • Couple's Therapy & Marriage Counseling
    When we work with couples via private pay, we are able to have longer sessions and design customized approaches for that unique couple. Most importantly, we do not need to find a problem, such as depression or generalized anxiety disorder with one of the partners, just so we can get paid. Also, since its private pay, you are able to pay our one reasonable fee and obtain the benefit of working with both Eric & Erica in sessions.

Insurance Clients

  • Potentially Less Control
    With any insurance, there is always a risk that certain insurance benefits may be limited or impacted by contractual limitations on the choice of therapist, and the number, frequency and length of sessions. 
  • Your Session Notes May Be Shared With The Insurance Co.
    Therapists who accept insurance-based clients may be asked to share session notes and/or other potentially confidential information with the client's insurance company.
  • Insurance Requires You To Be Diagnosed
    In order to be reimbursed by an insurance plan, a mental health professional - just like a doctor - must provide a mental health diagnosis from the DSM V. Without a diagnosis, the insurance company won't pay or approve future sessions. Unfortunately, when one is given a mental health diagnoses for insurance reimbursement, the diagnosis can potentially be considered a pre-existing condition.
  • Insurance Co-Pays May Be More Affordable
    After clients meet any of their specific deductibles, they often fund that their session co-pays are relatively low enough to make a commitment to therapy and counseling affordable and easier. Over time, paying co-pays for each session vs. our full private pay rate may be easier for some clients.
  • Couple's Therapy & Marriage Counseling
    Insurance companies generally do not cover or pay for couple's therapy or marriage counseling. Even those plans that include couples/marriage counseling do not pay for the services of two therapists at the same time. Therefore, since Eric & Erica only only work as co-therapists with couples, we do not accept any insurance plans for our co-therapy couples sessions.

Conclusion: Clients Need to Weigh The Pros/Cons of Private Pay vs. Insurance To Determine What's Best For Their Particular Situation!

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