Rates & Practice Policies

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While using insurance for mental health counseling can make therapy more accessible financially, there are some potential drawbacks to consider:

1. Confidentiality Concerns:

• Diagnosis Required: Insurance companies require a mental health diagnosis for reimbursement. This diagnosis becomes part of your permanent medical record and could potentially be accessed by others, impacting future insurance coverage or even employment opportunities.
• Sharing of Information: To justify payment, therapists may need to share detailed clinical information with the insurance company, potentially compromising your privacy.

2. Limitations on Treatment:

• Restrictions on Sessions: Insurance companies often limit the number of sessions they will cover or dictate the type of therapy allowed, potentially hindering your progress.
• Choice of Therapist: You may have a limited selection of therapists who accept your insurance, making it harder to find the right fit.

3. Future Implications: 

• A diagnosis on your record could have unforeseen consequences in the future, such as affecting your ability to obtain life insurance or security clearances.

4. Alternative Options:

• Out-of-Network Benefits: Some insurance plans offer out-of-network reimbursement, allowing you to see a therapist of your choice and then submit claims for partial reimbursement.
• Private Pay: Paying for therapy out-of-pocket gives you more control over your treatment and privacy, but it can be more expensive.