We offer the option of paying for your sessions out of-pocket or using insurance. Here are a few things to consider when deciding your method of payment:

Insurance companies require that clients receive a diagnosis.

Most insurance plans base their reimbursement of mental health services on what is called “medical necessity.” This means that you must carry a mental health diagnosis in order to justify treatment. Some people may feel uncomfortable with carrying a mental health diagnosis, as this diagnosis will become part of your permanent medical record, which could impact you in the future in terms of employment prospects or eligibility for future health or life insurance. When you self-pay for therapy there is no need to give a diagnosis, thus eliminating any of these concerns.

Insurance plans choose the type of therapy clients can receive.

For example, insurance plans do not reimburse for couples counseling unless one partner is diagnosed with a disorder and the joint sessions are meant to help the “identified patient” to make progress in treatment or to prevent worsening of current symptoms. When you pay for therapy yourself, we can decide together what type of therapy is most appropriate without having to worry about insurance limitations.