Paying out-of-pocket gives you more privacy, flexibility, and control over your therapy experience. When you use insurance, a mental health diagnosis and treatment details often need to be shared with your insurance company, which becomes part of your medical record. Private pay keeps your therapy confidential. The amount of sessions you can have or the type of therapy you can take part in may also be limited based on your insurance.

Paying out-of-pocket allows you to choose the therapist who is the best fit for you and you may still qualify for reimbursement via your insurance’s out-of-network (OON) benefits—many highly qualified therapists don’t accept insurance due to restrictions and paperwork. You can focus on your goals at your own pace without limits on the number of sessions, and you can receive care for personal growth, stress management, or relationship support, even if these don’t qualify for insurance coverage.

Ultimately, paying out-of-pocket supports a more individualized, flexible, and uninterrupted therapy experience, tailored to your needs rather than insurance requirements. Therapy is an investment in yourself, and you deserve the best.