Why Consider Self-Pay Therapy When You Have Insurance?
Self-Pay?
Why would someone choose to pay for therapy sessions out of pocket (self-pay) when they have insurance that might cover part of the cost? Learn why paying for mental health therapy directly can be a smart choice. Here are the benefits of self-pay therapy that you should know.
More Flexibility
You can see your therapist more often and for longer sessions.
More Privacy
Your therapist is not bound by insurance company restrictions, so you can talk about anything you want without fear of being denied coverage.
More Time and Attention
Self-Pay therapists can give you more time and attention because they don’t have to see large numbers of clients to make up for low reimbursement rates from insurance companies.
More Control
You can choose your therapist based on their experience and approach, rather than being limited to those who are in your insurance network.
More Affordable
Self-pay therapists often charge less than insurance-based therapists.
More Privacy
The content of your therapy sessions and your mental health diagnosis will not be maintained in an insurance company database.
Increased Insurance Rates
Your mental health diagnosis remains private, and is not available to insurance companies. A mental health diagnosis can affect the rates of many different types of insurance products,. These include: life insurance, health insurance, disability insurance, long-term care insurance, and Medicare supplemental Insurance.
Conclusion
If you are considering therapy, I encourage you to explore all of your options. Self-pay therapy may be a good choice for you if you value flexibility, privacy, time and attention, control, affordability, privacy, and lower insurance rates.
Call today to book an online therapy session with Dr. Diak, The Happiness Psychologist!
Phone: 727-280-6569
