Pros/Cons of Self Pay

Pros

• You are in control of your care, including choosing your therapist, length of treatment, etc.

• Increased privacy and confidentiality (except for limits of confidentiality).

• You can receive services without having a mental health diagnosis in your medical record.

• We can address issues that are important to you that aren’t billable by insurance.

Cons

• You may not be able to afford the cost of self pay sessions, or may have to be seen less frequently due to financial constraints.

pros/cons of using insurance

Pros

• Increased convenience and affordability makes therapy more accessible.

Cons

• You will receive a mental health diagnosis that goes in your medical record. 

• Some diagnoses are not eligible for reimbursement (i.e.: marriage/couples therapy). 

• In the event of denial of payment, you will be responsible for the full cost of services provided. 

• If insurance is requesting additional information, confidentiality cannot be guaranteed. 

• You may have a deductible that needs to be met before the insurance company will cover any costs.