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Insurance Information

Why I Choose Not to Accept Private Insurance in My Therapy Practice

In today's world, navigating the complexities of mental health care can be daunting. Many individuals seeking therapy may wonder why some therapists, like myself, opt not to accept private insurance. While it may seem counterintuitive at first, there are several reasons behind this decision, each rooted in providing the best possible care for my clients.

Here's why I've chosen not to take insurance in my therapy practice:

1. Client Privacy and Confidentiality:

  • By not involving insurance companies, I can ensure maximum privacy and confidentiality for my clients. Confidentiality is crucial in therapy, and avoiding insurance means avoiding the need to disclose sensitive information to third parties.

2. Medical Necessity:

  • Insurance companies often require therapists to justify the medical necessity of each session, which can be limiting and intrusive. By not accepting insurance, I can focus solely on my clients' needs without having to navigate restrictive criteria set by insurance companies.

3. Avoiding Insurance Dictation of Care:

  • Insurance companies should not dictate what type or length of care an individual receives. Every client is unique, and therapy should be tailored to their specific needs and goals. By operating outside the insurance system, I can provide a more flexible and personalized approach to therapy, free from external constraints.

4. Out-of-Network Benefits:

  • Even though I don't accept insurance directly, many insurance plans offer out-of-network benefits. This means that clients may still be able to receive partial reimbursement for therapy sessions. I provide clients with the necessary documentation, such as super bills, to submit to their insurance companies for reimbursement.

5. Super Bills:

  • Super bills are detailed invoices that include all the information insurance companies require for reimbursement, such as diagnosis codes and session dates. By providing super bills, I empower my clients to seek reimbursement from their insurance companies on their own terms.

6. My Time

  • I want to spend my time working directly with clients.  By choosing to not work with private insurance companies I can avoid spending hours on the phone with insurance companies justifying care, following up on claims, and trying to get paid. I can use those hours instead for my clients.

While the decision not to accept private insurance may seem unconventional, it ultimately allows me to prioritize the well-being and privacy of my clients above all else. By offering alternatives such as out-of-network benefits and super bills, I strive to make therapy accessible and affordable while maintaining the highest standards of care. It's time to shift the focus away from insurance companies and back to what truly matters: providing effective, compassionate therapy that empowers individuals to lead fulfilling lives.


 

Why I Chose to Accept Medicaid in My Therapy Practice

 

Access to affordable care is important to me. People who do not have financial means to afford the out of pocket costs for individual therapy should still be able to get the care they need. I accept Medicaid because it allows me to have an inclusive practice.

 

What if I can’t afford your out of pocket fee?

 

If I am a good match for you, but my fee feels unaffordable, please let me know and I may consider a reduced rate or other arrangement that makes therapy accessible to you.

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