What are the benefits to using insurance vs not (self pay)?

There are benefits to using your insurance to receive therapy. Most insurance companies allow the same benefits for mental health as they do physical health. You will be responsible for your copay as well as meeting any deductible that applies with your plan. Using insurance is the most cost effective way to receive care.

Self pay, or not using insurance, also has benefits. Insurance companies require “medical necessity” to see a therapist as well as ongoing proof you need to continue to be in therapy. Insurance companies also require a diagnosis code that will be visible on your medical record. Many clients prefer to keep this information confidential and separate from their physical health records. When using insurance, insurance companies can request a copy of your mental health records from your therapist at any time.