Benefits of Private Pay For Therapy
I do accept Blue Cross Blue Shield insurance for therapy sessions; however, there are some key benefits to paying privately (outside of insurance) for therapy sessions. These benefits can include:
- You don’t need to have a ‘medical necessity’ to seek treatment.
Many clients seek therapy for reasons beyond medical needs, such as to improve relationships, seek clarity about important decisions, or work through difficult decisions. Most insurance companies require a diagnosis of a specific mental illness in order to qualify for insurance benefits, and they do not see the reasons listed above as qualified conditions for treatment.
- Your mental health records cannot be used against you.
In order for insurance companies to provide therapy benefits, many require a diagnosis of mental illness after the first visit. This can become part of a client’s permanent health record, which can lead to substantially higher insurance premiums or limit a person’s ability to qualify for health or life insurance in the future. Insurance companies often enter this diagnosis code into the Medical Information Bureau, a database accessible by other providers, insurance companies, or other non-medical entities requesting to evaluate you. It is possible for this information to be used against you, especially when applying for individual insurance coverage.
- Your treatment will remain completely confidential and accurate, and you can complete your treatment when you are ready.
Insurance companies often require frequent updates on treatment and mental health symptoms in order to reimburse for therapy sessions. If insurance companies deem that the mental health symptoms are not severe enough, they can choose to stop reimbursing for therapy, even if your treatment is not complete.
- You alone are able to make decisions about your treatment.
When insurance companies are involved in paying for therapy sessions, they can decide when to stop paying for treatment, as well as what treatment you can receive in the first place, regardless of need. For example, insurance often refuses to pay for certain types of therapeutic sessions, such as for couples or family therapy. Because insurance companies are often motivated to pay the minimum amount possible, covered treatment can be insufficient. By paying privately for therapy sessions, you and you alone can make decisions about how you are treated, and for how long.
- You can save money in the long run.
Because insurance usually charges a premium, deductible, and co-pay, you end up paying cash for a portion of your treatment, even if it’s covered by the insurance company. On the other hand, by proactively investing in your mental health, you can enjoy the money you save (or make) due to prevention of more serious mental health problems, less stress-related illness, and improved ability to function at home and at work.
- You may be more invested in the therapeutic process and fully reap the benefits of your treatment.
When you have made concessions in your budget and your life to pay for treatment yourself, you are more likely to be invested in the whole process. You are making sacrifices for your ultimate healing, so it’s understandable that you would be more willing to be vulnerable and more motivated to engage in each therapy session.
I firmly believe that everyone is entitled to quality mental health services. Regardless of whether you elect to pay privately or with insurance, I would love to speak with you about your mental health needs. Call me today – I look forward to speaking with you!