UNDERSTANDING PRIVATE PAY

Therapy Guided by Your Needs, Not Insurance Requirements.

Choosing a private-pay model allows therapy to remain focused on you - not insurance requirements, treatment limitations, or diagnostic mandates. It protects your privacy, supports greater flexibility, and allows care to be guided by clinical judgment rather than outside authorization.  One of the reasons I chose to maintain a private-pay practice is that it allows therapy to remain centered on you. Care is guided by thoughtful clinical judgment and your unique needs, goals, values, and circumstances - not by insurance requirements or predetermined treateent criteria. This creates space for therapy that is more personalized, more flexible, and more responsive to what matters most to you.  

When insurance is involved, it shapes therapy in ways that are not always determined solely by what is clinically best for you.

Insurance reimbursement typically requires a mental-health diagnosis and the submission of treatment information as part of the claims process. While this may not be a concern for everyone, some clients value the additional privacy that comes with keeping their mental health care outside of the insurance system. Insurance companies may also limit the number, length, and frequency of sessions. In some circumstances, additional clinical information may be required to determine coverage, and treatment decisions may be influenced by insurance guidelines rather than individual needs. 

Therapy is an investment in your emotional well-being, your relationships, and the life you hope to build. Some investments improve life.  Others transform the way you live it. Therapy has the potential to do both. For many people, the privacy, flexibility, and individualized care of a private-pay practice create the freedom for therapy to unfold thoughtfully, with care shaped by your story, your values, and what matters most to you. 

Increased Privacy

Nothing about your treatment is shared with, stored by, or made accessible to an insurance company. Personal information remains between you and your therapist rather than being submitted as part of an insurance claim. 

Greater Flexibility in Treatment

Session length, frequency, and clinical focus are determined by your needs — not by what an insurance company is willing to authorize.

Superbills Available

Detailed receipts are available upon request for clients who wish to pursue out-of-network reimbursement through their insurance plan. 

A Note on Superbills

Using Out-of-Network Benefits

  • Check your benefits. Contact your insurance company to determine whether your plan includes out-of-network mental health benefits. 
  • Pay for Sessions Directly. Sessions are paid at the time of service. A detailed superbill can be provided upon request. 
  • Submit for Reimbursement. If your plan includes out-of-network benefits, you may submit your superbill directly to your insurance company for possible reimbursement.

Many clients find this process simpler than expected. If you have questions about out-of-network benefits or superbills, I'm happy to help point you in the right direction.  Reimbursement is determined entirely by your insurer and is not guaranteed. I do not bill insurance directly and am not an in-network provider with any plan.