Rates & Insurance
A word about insurance and paying out of pocket
Why don’t you take my insurance?
Most health care plans today (insurance, PPO, HMO, etc.) offer little coverage and/or reimbursement for mental health services. Most HMOs and PPOs require “preauthorization” before you can receive services. This means you must call the company and justify why you are seeking therapeutic services in order for you to receive reimbursement. The insurance representative, who may or may not be a mental health professional, will decide whether services will be allowed. If authorization is given, you are often restricted to seeing the providers on the insurance company’s list. Reimbursement is reduced if you choose someone who is not on the contracted list; consequently, your choice of providers is often significantly restricted.
By investing in yourself:
You are in control of your care, including choosing your therapist, length of treatment, etc.
Increased privacy and confidentiality (except for limits of confidentiality).
Not having a mental health disorder diagnosis on your medical record.
You can consult with your therapist on non-psychiatric issues that are important to you that aren’t billable by insurance, such as learning how to cope with life changes, gaining more effective communication techniques for your relationships, increasing personal insight, and developing healthy new skills.