Insurance and Payment Options

Using Insurance or Paying Privately

Deciding whether to use your insurance benefits or pay privately for therapy is a personal decision, and there isn't a single right answer.

Using insurance can make therapy more affordable, especially if your plan has a low deductible or favorable mental health benefits. For many people, this makes accessing therapy much easier.

Private pay offers greater flexibility. Without involving an insurance company, you and your therapist can determine the course and length of treatment based solely on your needs, rather than your insurance plan's requirements.

It's also important to know that insurance companies typically require a mental health diagnosis before they will reimburse for therapy. That diagnosis becomes part of your health insurance record and is documented in your clinical records for billing purposes. Some people are comfortable with this, while others prefer the additional privacy that comes with paying privately.

If you're unsure which option is best for you, I'm happy to discuss the pros and cons so you can make the decision that feels right for your situation.

Payment Options

Private Pay

My fee for a 50–55 minute therapy session is $225.

Many clients choose to pay privately because it offers greater flexibility and privacy. When paying privately, treatment decisions are made solely between you and me, without the requirements of an insurance company.:

Out-of-Network Benefits

Many PPO plans reimburse a portion of the cost of therapy after you meet your deductible.