While private pay (sometimes called “cash” pay) is usually more expensive than having insurance pay for your therapy, there are instances where paying cash for your therapy makes sense.

With private pay:

• No medical diagnosis becomes part of your medical record, thus removing a potential premium increase or being denied coverage in the future due to a pre-existing condition

• Remove any anxiety or worry about insurance denying coverage

• Insurance cannot drive the focus, method, or duration of your therapy - those choices are strictly between yourself and your therapist

• Enhanced confidentiality

• More flexibility in session length and scheduling

• More thorough assessment process that includes diagnostic testing

• Freedom to choose your therapist without being limited by an insurance company’s network

• Focus on well-being rather than treatment of a mental disorder